Market sectors
INPAS (Innovative Payment Solutions) provides high quality services so that you can develop a profitable and dynamic business.
INPAS Company develops solutions for a bank network evolution, for branches automation and for reduction of service and information support costs. INPAS gambles on the comprehensive approach and functional completeness of supplied solutions. Company offers completely automated mobile bank mini offices, self-service zones, specialized ATM pavilions, which allow organizing full-fledged bank self-service using minimal area and stuff. 
INPAS Company has been operating in the Russian and Belorussian payment technologies markets for more than twelve years. In
How do clients benefit from INPAS involvement?
First of all it's the support for all existing cards, POS terminals, cash registers, information kiosks and ATM's. Second, it's the expertise that INPAS can bring to the project.
Within the framework of developing projects for additional business applications INPAS has ample experience in implementing such solutions in several Russian banks using both native platform cards and JAVA cards. At present solutions based on programmable cards are most popular. A number of additional products, implemented as JAVA applets for programmable JAVA cards allows the business logic of international payment applications (VSDC, MChip) and additional applications supporting any type of functionality to be placed on the same card. Clients are offered a predictable and transparent application development ideology based on standard open specs, which also allows software to be modified further down the road. The proposed solutions make it possible to implement different business models - from discount, bonus points with different operation logic to "purses" with virtual money.
INPAS' solutions provide full control and management of additional business applications via the standard equipment of the bank's acquiring network.
INPAS solutions are widely used in various sectors:
How additional applications can be used in real cards projects
Discount - a system of making discounts for regular customers just as they make a purchase.
Bonus - A system of stimulating regular clients by implementing accumulating bonus schemes.
Purse - virtual cash purses with 'marked' money that can be used in specific territories (campuses, one store) or in a specific network of operators participating in the project (for example a fuel purse in a chain of filling stations).
ID - personal or identification information necessary for the identification of the card user (for example access to a certain territory or computing resources).
Coupon - a system of stimulating customers by inducing them to buy certain goods/services (for example a single marketing launching a new product/service).
Market sectors for additional business software applications
- GSM and related products retail networks (GSM shops and services)
- Closed, controlled by the issuer/acquirer trade and service companies
- Campuses (local servicing infrastructure)
- Social projects
- Trade and service networks
- Transport applications
- Customer and other loans
- E-commerce and E-banking
- Daily payment market
Customers of such products are first of all clients of the bank, interested in getting a broad range of services in minimal time by using a unified multifunctional instrument - a bank card. This category of customers is in the retail market sector and is most interesting to the banks that actively develop their retail.
