Cash Message Service (CMS)
CMS is an independent clearing solution that handles payment flows between connected private customers and a company. Payment is made via the CMS Mobile client, which is the world's first mobile client with 512 bit encryption. Customers can move funds to their CMS account or connect one or several payment cards. Payment can then be made by mobile phone after authentication.

Advantages with CMS

• The CMS platform can handle and coordinate most well-known credit and debit cards, bank and telephone operator services in the world.
• The CMS Mobile client is the world's first mobile client with 512 bits encryption and an SMS can send secure payment flows both via basic phones and more advanced smartphones.
• The flow starts from the card to the client account. From there the user directs money to any recipient who has a mobile phone, a business account and/or back to the bank system.
• The CMS platform allows business customers to debit consumers with or without a CMS account.
• Registration and payment occur directly on the company's own web site through communication via the CMS platform.
• Through encryption, the mobile phone's unique number and personal PIN code, CMS can also be used for electronic identification of a person or authentication for credit card purchases, bank machine withdrawals or collecting medical prescriptions.

Areas of use

Payments:

• Buying goods/services on the Internet in a web shop
• Buying digital products such as music for mobile phones
• Buying digital products for interactive TV
• Paying for services for small companies
• Paying for goods/services in a shop with CMS or NFC (Near Field Communication)
• Ordering and paying for tickets and gift vouchers from a mobile phone
• Paying invoices on the web
• Topping up cash cards/prepaid cards
• Repayment of returned goods, bonus etc from a company to a private person

Transfers:

• National transfers between two people
• International transfers between two people, (remittances)

General:

• Identification when passing through security
• Authentication when logging in to an internet bank
• Signature for credit card transactions, etc

 

Get started Contact us at sales[at]21st.se or call +46 (0)8 21 21 55.

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