The ViA MiniPay device does NOT NEED any mobilephone for accepting OFFLINE payments made with a ViAcard or any other card or device using a Smart Chip and the ViA OFFLINE Wallet.
The smallest street Vendor who may only sell fruit for $15 per day or less, does not have a mobile phone at all,
The MiniPay device is an OFFLINE solution, so there is NO NEED for any Internet connection when accepting a payment.
This means that the Vendor can have the ViA MiniPay device in his pocket and WHEREVER a payment from a ViAcard or any other Card is accepted which has the ViA OFFLINE WALLET - VOW implemented.
The ViA MiniPay device operates with normal batteries. NO NEED for external power connection.
Even in the most remote locations, a secure payment can be accepted.
In case of disaster or a power-blackout, the Vendor can still accept an Electronic Payment.
It's FREE for the Users (consumers).
NO Sign-up fees or monthly Fees.
NO Transaction Fees.
It's FREE for the small Vendor.
The MiniPay device is FREE
NO MDR or Transactions Fees, only a very small Upload Fee.
Re-Engineering traditional Security method, the ViA MiniPay Solution is very secure.
Using Dual Processing Smart-Chip, as safe as your SIM card.
Wallet-PIN on micro transactions.
You lose your Card and still get the Balance back.
New Patented PKI structure for improved protection.
Payment transaction is completed within 2 secounds.
Loyalty Services for the smallest Vendor and Business.
Data Mining Returns Value to Vendor and Consumer.
Makes for an e-Society with far less crime.
Donation Solution creates 100% Transparency.
The ViA MiniPay POS Device is a reengineering of what once was the normal way to improve what is.
The ViA MiniPay device is designed to keep the cost down to a minimum and is made for a mass market. When a User pays with a ViAcard, the Smart-Chip creates the ViA Secure Token (VOW Token) a digitally signed (PKI - Public Key Infrastructure) data record. Read more about PKI.
Using a digitally-signed record (VOW Token) means that, when it is stored in the MiniPay Device, the device DOES NOT NEED TO BE SECURE in the same way as an Online POS device.
A standard POS device, such as VeriFone, is engineered to be safe and tamper-protected. It's crucial for an Online POS to be protected for any kind of tampering due to the fact that the POS device creates the payment record. A secure Online POS device costs between US$ 200-500. The ViA MiniPay device does NOT create a payment record, the payment record, the VOW Token is made by the Smart-Chip. The cost for a MiniPay device is less than US$ 10 (dollars). Read More
The ViA MiniPay device will be made in different designs targeting different market segments. The ViA MiniPay will also be made for Donations, Transporation, Vending Machines, Piggy Bank and much more.
The newly patented solution, The ViA MiniPay™ Device (MPD) and its Eco Solution from the Swedish tech duo, Lars Olof Kanngard and Mats Engstrom, is the first (and only) in the world AFFORDABLE solution for accepting secure electronic payments OFFLINE. The ViA MiniPAY™ device does not require Mobile phone network (GSM) connection ● it does not require Internet ● and it does not require external power.
For more than 36 years, the Tech-Duo 'Kanngard & Engstrom' have developed, innovated and brought to the market many solutions which have become the norm.
The ViA MiniPAY device does not require Mobile phone network (GSM); it does not require Internet; and it does require external power.
The ViA MiniPAY™ solution is built upon a secure way of using NFC technology and a pre-paid ViA Wallet.
The ViA Wallet is a Smart Chip-based wallet on a ViA Card or integrated with any third party-issued Smart Chip card, wristband or any other Smart Chip device or integrated with a SIM card and an NFC-enabled mobile phone. (NFC stands for Near Frequent Communication, same as RFID). When the User pays, the ViA Card creates a secure digital token, which will then be stored in the ViA MiniPAY device. It is Pre-Paid; you load and then spend. It’s FREE for the user, no monthly or transaction charges. The ViA MiniPAY device was invented so that EVERY VENDOR or self-employed micro business can finally accept secure digital payments from a prepaid wallet without even having a mobile phone. For any vendor, street vendors selling vegetables, fruit, fish or any other Point of Commerce (POC) or the tricycle, motorbike or normal Taxi or Van for transportation can use the ViA MiniPAY device for fast and easy acceptance of digital payments including secure donations and tithing.
If you are smart, Trust Smart Chip Solutions. Dual Processor Smart Chip is a highly safe technology and well-established industry standard.
VOW is a software implemented within a dual processor smart-chip.
VOW keeps your current balance and also keeps track of each spending you have made, within its VOW Token Audit solution.
One of the security features is that you can set a Wallet-PIN for your small spending, a different pin-code from the Card-Pin itself.
Pre-Loaded means that you have already topped-up or deposited money to the account or to the wallet you are using. There is an important difference between a 'normal' wallet and its provider and ViA. Many payment providers do not keep your wallet funds outside the corporate accounts, which can result in that your pre-paid amount can be lost if the company goes bankrupt.
The ViA VOW and the ViAcard solution is structured in such a way that when any user deposits money into the ViA Account, such funds are kept in an Escrow arrangement and NOT recorded as an asset in the company
An traditional online wallet (mobile phone service) your money can be anywhere or somewhere else - with the ViA Offline Wallet (VOW) you have the money in your pocket safely.
The VOW is a wallet, and your money which you are carrying on the ViAcard or in the device is yours to use.
You may have a Mobile Wallet on your mobilephone, managed with a mobile APP, but it will NOT WORK if the GSM or network you are using is not reachable or does not work.
The OFFLINE WALLET ALWAYS WORKS and whatever happens with GSM or Internet, you can always make a payment.
From a theoretical point of view, any technology always has risk factors, there is NO 100% security anywhere in the world. It's more a question of how big is the potential risk.
The ViA MiniPay concept has limitations to minimize the risks. As stated, the ViA MiniPay concept is for your day-to-day spending, it is NOT for larger amounts.
This will make the incentive extremely low for criminals to even try to manipulate or to hack . There is no money to be gained.
As soon as software can be added by the user to a device, the RISK FACTOR always increases.
An iPhone is, in general, more safe than an Andriod.
The ViA concept will be launched, country by country, region by region, with the mission to serve hundreds of millions of users, targeting the UNBANKED CONSUMERS.
The ViA concept can be operated by private partners or together with Governments.
ViA has also developed a solution for the housemaid or the children in the family so they also can become part of using cashless transactions. The ViA TAB is an extra service for the small shop in the block so that they can use the ViA MiniPay as a Safe-Keeper of credits given (Ledger) to their customers. There will be a variety of Value-Added Services offered to the Vendors or small shop in the block merchants so they can use a mobile App for communicating with customers.
As a User (Consumer), you will need to have a ViAcard or any other Card as long as it has the ViA Wallet (VOW) and is a Smart-Chip Card. It can be a branded (Visa or MasterCard) bank card, where the bank as the issuer has implemented the ViA Wallet solution into their cards.
The Smart-Chip and NFC technology can also be made into a wrist band, (see the picture to the left), as a payment device. The local Mobilephone operator may implement directly onto their SIM-card the ViA Offline Wallet software (VOW). The latter will requre that the mobilephone is NFC-enabled.
If you work in a company, the company may issue a corporate ID card with Smart-Chip and embed the ViA Wallet.
The country you live in may have a National ID card where the ViA Wallet can be implemented if such ID-card has a Smart-Chip and NFC.
Important to point out: The ViA solution is an OPEN solution for anyone in the market. The ViA WALLET is FREE and open for any card issuer to implement.
ViA Contactless cards.
ViAcard - dual processor Smart-Chip with NFC.
Co-branded ViAcard with issuer who has implimented the ViA VOW Wallet.
ID-Card - National ID-Card with Smart-Chip and NFC.
Simple as well as advanced Smart-Chips.
NFC or RFID.
Can as well ......
Disaster and Refuge Soluton......
Any model of Mobile Phone or other device with NFC/RFID enabled.
With the ViA VOW implimented on its SIM card.
Get Your ViAcard
Likely the ViAcard will find the way to YOU, so dont worry to look for it.
The best way to get a ViAcard is directly from your workplace as a ViAPAYROLL card.
You will also be able to find the ViAcard at any authoriced ViA Merchant or authoriced Partner.
|2.||Show your ID Card + Mobile Number.|
|3.||ACTIVATE your ViA Card.|
|4.||Make your first Top-UP so you get a value on to your VOW, the ViA Offline Wallet on the ViA Card.|
|5.|| Select your Wallet Pin
The VOW PIN (Wallet) is different from your CARD-PIN, suppose you do want to use the ViAcard r any other card you may have from an issuer, such as a bank.
|6.||Now you can start to Spend|
Going towards a Cashless e-Society, the old term for where you can pay a service or buy goods ought to be redefined to reflect the reality of the future. This is crucial for both the Government as well as it will suport the small business owner, the self employed or a device which accepts a payment or records a commercial transaction.
The traditional POP, POS and EFTPOS defines either an area where a customer completes a transaction, such as a checkout counter, related area of a traditional shop and the POS. It is normally understood that a POS consists of both a Credit Card Terminal (also debit card or any other cards accepted by the merchant or the payment network) and a Cashier System, where the goods are recorded.
POC (Point Of Commerce) redefines the landscape for where an instance of commerce has taken place and includes ALL places where an electronic payment can be made and should be accepted.
The small street Vendor, the Motorbike Taxi, the Gardener even Vending Machine or a River Boat Bus or the man who sharpens your knives - all are COMMERCIAL POINTS, where secure electronic payments should be accepted.
Anyone who sells a Service or Product can become a ViA Vendor using the ViA MiniPay device.
A ViA Vendor can be any person or a registered small business entity.
The way to SIGN UP as a Vendor is SIMPLE and dosen't need any lengthy paper process. Either a ViA Agent or a ViA Merchant will handle the Registration - ON THE SPOT.
It should be pointed out that if a shop or a business such as a Restaurant with sales more than US$500 per day, ViA will likely adopt some kind of monthly fee.
Most payment solutions such as QR codes and mobile phone payment services charge a transaction Fee to the Merchant per transaction. If the customer has used a branded bank card, the Merchant will also need to pay a MDR FEE to the network provider or the bank.
There is NO SIGN-UP FEE for the Vendor and the ViA MiniPay device is FREE. There are NO MONTHLY FEEs or ANUAL FEEs to get the ViA Online Account.
When you as the Vendor ACCEPT a payment from a ViAcard or any other device or other card which has a ViA OFFLINE WALLET (VOW), each time a payment is made, the Card CREATES a VOW Token.
The ViA MiniPay device STORES the VOW Tokens. At any time of the day, or a few times per week, the Vendor wants to move their Sales (money) into their ViA Account.
The VOW Tokens, regardless of how many tokens are stored, first need to be Uploaded from the MiniPay device, to the ViA backend system for validation and credited to the Vendor's ViA Account.
A ViA Token can have any value, from the smallest denomination in each country up to the level of what ViA will set as a MAX-Value per Token.
In the table, you can see the ONLY Cost the Vendor will pay. The Cost is paid ONLY when the Vendor UPLOADS the stored ViA Tokens (stored in the ViA MiniPay device) which the Vendor may Upload once per day or a few times per week.
Authorized location has a ViA eBM (POS) online device or any other POS device with the VOW UPLOAD Software.
Two basic conditions (1) The Merchant where you plan to make a 'Cash-Out" request need to have such cash at hand.
And (2) local regulation would restrict Cash-Out transactions
As explained earlier in section: 'KISS ViA MiniPay - Keep It Simple & Secure' The VOW Token is Digitally Signed. That means that the Token can be read in plain text and numbers but the 'DATA RECORD' cannot be changed, altered, tampered with or changed at all. If any change is made, the 'Signature' will no longer match the 'Data Record' resulting in an invalid Token.
...You could say that a digital Token in one way is like a Bit Coin, but only to the fact that both are an electronic Record.
A ViAcard is like any other 'debit' card. You can use it in any shop which accepts card payments and you can also use the ViAcard when you buy things on the internet.
There is or should we rather say, to now it has been impossibal for Governments to have a clear insight into the Microeconomy its its Country, due to the fact that most of small business owners, smaller merchants and street Vendors and those who provide HOME-Services such as a gardener, windowcleaner etc, prefer to get their services or gods paid by cash.
Top-Up or buying a voucher to FILLUP your Mobile or Online Account (Wallet) is seen as a Monetary transaction, so there is no VAT added to the amount.
The Government would need to relay on the operaters willingness to provide prudent information, so that sales taxes or VAT can be paid as per each countries rules.
In many countries, the corporate world always complaining on high taxes. In some countries it can be so 'bad' that only a few % is paing taxes and the majority of businesses dont pay any taxes.
With a solution which reaches the LAST MILE, which actually is nearly FREE and gives a lot of benefits, its easy for a Government to impose a symbolic 'Commersial' tax on only a few percentage, say as low as 4 to 5% and as a result recive very large tax revenues from the largest economy in its country.
When the DISASTER is a reality and no communication is working, that's the time when others take advantage of.
It should be mandatory to have an OFFLINE solution in any area where disasters will happen, sooner or later.
OFFLINE WALLET ALWAYS WORKS and whatever happens with GSM or Internet, you can always make a payment.
In regions where bad weather is a way of life, local Government should implement OFFLINE solutions..
Biger then the Money ?
ABSOLUTELY, handling money in a form of e-Value in a broader perspective (e-Money) are so much larger. It's involving EVERYONE even becomes a perfect instrument for hands-out.
CASHLESS society is it possible? Not if we believe that everyone would be able to use a safe smartphone. The payment paradigm need to be reengineered and must include EVERYONE, ANYWHERE and it can’t cost the user anything its need to be FREE ● SAFE ● FAIR.
MERCHANT FEEs and costly bank services for business are suitable for normal supermarkets, shopping malls and SME businesses, that will leave more than 80% or more of actual commercial business left behind and create EXCLUSION.
We need a PAYMENT REVOLUTION- The answer is ViA MiniPay.
VENDORS become part of the modern e-Society and can accept a secure payments. The ViA MiniPay solution is FASTER than cash • SAFER than cash • SAVE TIME • It ALWAYS WORKS.
Thoughts 'valuable' to be shared.
There is so many argument which clearly make a CASHLESS so society so much better, if the way we did payments are being re-engineered and creates INCENTIVES and adopt an AFFORDABLE solution where EVERYONE becomes a WINNER ViA a better way.
Here is a compleet Sitemap
|ViA||A Abriviation of ViA Instant Access, created in 1999 and as trademark from 2004. You can read more about the name on the ViA Brand website www.viabrand.com|
|ViAns||The Mascot of the ViA brand is the ViAns who interact with the users. The ViAns has a sweet history, read more about it, also on the ViA Brand website, here is a direct. link to the ViAns.|
|e-Value||Are your money safe as money or digital values? This website and Whitepaper explain and define the definition of e-Value, her is the link to the e-Value Definition.|
|e-Value||Definition of Contactless Payments.link to the Contactless Payments by Investopedia.|