SoftPOS for Public Transportation

Is a mobile app that is set up for a particular bank, with the ability to register a conductor/driver and pay for a ticket.

The basic scenario of the SoftPOS is a contactless invoice payment to

The transportation company (merchant acquiring) with fiscal registration through FDO to the amount on the invoice.

Main Functionality

Paying for tickets electronically without delays at peak hours

Additional Functionality

The ability to send paid invoices to a passenger’s e-mail or through messenger, or by generating a fiscal QR-code of the invoice that can be photographed

The process of payment is as follows

• Conductor/driver enters an amount and allows a passenger to pay
• The passenger taps a proximity or mobile (virtual) card, the payment is processed online, and an authorization code is displayed, which can also be shown as a QR-code

SoftPOS for Restaurants

Is a mobile app set up for a specific bank with the ability to register a waiter, pay invoices, decide on the tip amount and pay it.

The basic scenario for the SoftPOS is contactless invoice payments and tipping through two transactions:

To the restaurant (merchant acquiring) with fiscal registration of the payment through FDO to the amount on the invoice with discounts (the cash register system forms the sum considering your loyalty system)

Main Functionality

• Receiving electronic invoices and delay-free payments at peak hours
• Giving tips to a waiter with proximity or mobile cards to the amount defined independently by the client.

Payment to the waiter is processed under a separate transaction code (tipping can be set up directly to the card of the waiter)

Registration of a smartphone in the system

For normal functioning, the smartphone must be connected both to:

• The establishment (restaurant)
• A particular table/waiter who is to receive tips

The smartphone can be connected to a table/waiter through a regular proximity bank card during a shift change or before a payment depending on the restaurant’s rules

Additional Functionality

Is set up on request from the restaurant and can include the following:

• Calling a waiter
• Display of your menu, and ordering
• Information about promos and discounts, personalized interactive ads
• Feedback to the restaurant: reviews on waiters, menu, advantages and
  disadvantages, etc.
• Self-registration of a client in the loyalty program of the restaurantCalculation of points for activity in the loyalty program
• Partial invoice payments with loyalty points
• Sending paid invoices to client’s e-mail, through messenger or by generating a fiscal QR-code of the invoice that can be photographed

The model of SoftPOS for Freelancers

Is a library that is set up for a particular bank and integrated with the mobile app ‘My Tax’
In its final configuration, it is a stand-alone app for a particular bank with the following functionalities:

• Connection to a particular card of a freelancer (registration)
• Display of the amount and other parameters of the transaction
• The payment is processed online and an authorization code is displayed, which can also be shown as a QR-code.
• Logging of cards (date/time, amount, masked PAN, payment reference, notes)

The process of payment is as follows

• The freelancer enters an amount and, optionally, other transaction parameters (payment reference, etc.) and allows the client to complete their payment
• The client taps their proximity or mobile (virtual) card, the payment is processed online and an authorization code is displayed, which can also be shown as a QR-code
• The SoftPOS saves information about the cards that were processed (date/time, amount, masked PAN, payment reference, notes)

Main Functionality

Creating invoices by the freelancer electronically and the ability to pay them with a mobile (virtual) or proximity card.

Registration of a smartphone in the system:

• The freelancer chooses a bank that offers this service and passes on to it the registration info from the app ‘My Tax’.
• The freelancer connects their proximity card of a chosen bank to their smartphone

Where “Smartphone as a POS” is used, it is important to understand the following:

For normal functioning, a smartphone must be connected both to:

• A legal entity (store, restaurant, transportation company, health care institution, etc.)
• A particular worker (seller, waiter, courier, doctor, etc.)

The smartphone can be connected to a worker with the help of their regular contactless card for payments.

The presentation describes only some areas of use of the solution. In practice, this solution can be applied by clients in many markets

The presentation describes only some areas of use of the solution. In practice, this solution can be applied by clients in many markets

• An NFC-antenna of other similar smartphones in the end-to-end mode
• A contactless card on tapping it on the upper end (front or back) of the smartphone.

The smartphone with NFC, that is used as a POS (SoftPOS), may belong to workers or legal entities.

The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:

• The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:
• Tipping to the courier (P2P) to the amount that the clients define themselves. This payment does not require any fiscal registration and is not taxed as personal income. (see the letter of the Russian Finance Ministry on the date of 29.05.2018 N 03-04-05/36431.)

Main Functionality

• Receiving electronic invoices (for delivery) or creating invoices by the courier and the ability to pay them.
• Tipping the courier with a proximity or mobile card to the amount that is defined by the client and discussed with the courier. The payment to the courier must be processed under a separate transaction code.

Additional Functionality

The ability to send paid invoices to the client’s e-mail or through messenger by the client’s ID, or by generating a fiscal QR-code of the invoice that can be photographed.

SoftPOS for Couriers

In its final configuration this mobile app is set up for a specific bank with the ability to register merchants and pay invoices.

* Considering that there are big federal operators on the market, who have their own loyalty programs, billing and mobile apps. It is better to provide a library that can help implement required functionality and can be integrated into an existing mobile app, instead of an out-of-the-box solution for couriers.

The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:

• The basic scenario of the SoftPOS is contactless invoice payments and tipping through two transactions:
• Tipping to the courier (P2P) to the amount that the clients define themselves. This payment does not require any fiscal registration and is not taxed as personal income. (see the letter of the Russian Finance Ministry on the date of 29.05.2018 N 03-04-05/36431.)

Main Functionality

• Receiving electronic invoices (for delivery) or creating invoices by the courier and the ability to pay them.
• Tipping the courier with a proximity or mobile card to the amount that is defined by the client and discussed with the courier. The payment to the courier must be processed under a separate transaction code.

Additional Functionality

The ability to send paid invoices to the client’s e-mail or through messenger by the client’s ID, or by generating a fiscal QR-code of the invoice that can be photographed.

SoftPOS for Doctors

For improving the service in health care institutions and automatization of paid service accounting. It is best to provide an out-of-the-box solution for the app

The basic scenario of the SoftPOS is contactless payments of an invoice to the health care institution

Receiving an invoice for different paid medical services electronically and the ability to pay it directly at the doctor’s office

Main Functionality

Receiving an invoice for different paid medical services electronically and the ability to pay it directly at the doctor’s office

Additional Functionality

• Electronic booking of appointments with any specialist
• Electronic ordering of required tests
• The ability to send a paid invoice electronically to the patient’s e-mail, through messenger or by generating a fiscal QR-code of the invoice that can be photographed

The process of payment is as follows\

• The doctor enters an amount and, optionally, other parameters of the transaction (name of a service, etc.) and allows the patient to complete the payment
• The patient taps a proximity or mobile (virtual) card, the payment is processed online, and an authorization code is displayed, which can also be shown as a QR-code

SoftPOS for Stores

In its final configuration this mobile app is set up for a specific bank with the ability to register merchants and pay invoices.

Main Functionality

Electronic invoices with delay-free payments

Additional Functionality

Sending paid invoices to the e-mail of the client, through messenger, or through generating a fiscal QR-code for the invoice that can be photographed

The process of payment is as follows

• A merchant/cashier enters the sum and offers a buyer to complete their payment
• The buyer taps their proximity or mobile (virtual) card, the payment is processed online and shows an authorization code, which can also be displayed as a QR-code