Payments System Based on Mobile Phones that Supports Offline Payments and Multiple Accounts in One App

Abstract/Technology Overview

The system is cost-effective means for solving implementation of payment services in regards to closed-loop and/or open payments systems as:

  • service station networks and/or any kind of retail networks
  • public transportation
  • courier companies
  • food tickets companies
  • e-shops

Target users are:

  • fuel retailers and their clients
  • general retailer networks and their clients
  • public transportation services as a part of a smart city solution
  • parking services as a part of a smart city solution
  • courier companies
  • e-shops

Technology Features, Specifications and Advantages

Our technology is unique in many ways. Most important features are:

  • Payment is possible for payer even if the app is offline
  • Payment can be provided to other party who does not need to have opened account
  • Highest standards of cryptography and security applied
  • Cloud based for highest uptime and response
  • Merchant side will incur low or no extra hardware expenses

Potential Applications

  • Parking services, public transportation and other payments as a part of smart city solution  
  • Closed loop payments systems of fuel retailers, grocery retailers and other retail networks
  • Payment systems for courier companies
  • Payments systems for any type of online service or eshop
  • Payments for any type of vending machines
  • Any type of self service payments 
  • Closed-loop monetary or non-monetary payments systems on events like festivals, conferences, sport events etc.

Customer Benefit

From payer point-of-view:

  • payer does not need to be online to provide payments 
  • multiple accounts in one app
  • security of payments as payer has full control on amount to be paid
  • anonymity – payer does not need to share any personal or other sensitive information with merchant
  • points of interest with navigation

From merchant point-of-view:

  • easy and cost effective implementation of terminal 
  • full control on user management and identification who received payment
  • sharing of payment – one bill can be paid as partial payments from more payers
  • possibility of international VAT reports and refund 
  • easy loyalty program implementation 
  • significantly decreased costs for payment terminals, data processing and payment fees
  • significantly decreased costs for payment cards printing, personalisation and delivery to client
  • significantly decreased costs for payment delivery of PIN codes to client
  • easy international implementation  
  • points of interest with navigation to selected retail/service point 


Contact Person

Ladislav LOPATKA


Ultima Payments a.s.

Technology Category
  • eCommerce & ePayment
Technology Status
  • Available for Licensing
Technology Readiness Level
  • TRL 9

payments, mobile, merchant, payer, epayment