Beijing time on March 1st news, according to foreign media reports, Israel mobile payment platform DigiMo has recently attracted the attention of some people in the industry, because there are a lot of problems plaguing the "face-to-face" mobile payment process, and DigiMo provides a clever solution Program.

Specifically, DigiMo allows merchants to leverage their existing infrastructure without having to change POS hardware, no need to purchase NFC (Near Field Communication) terminals, or new readers - these are usually merchants. The main sticking point of adopting the new mobile payment platform.

DigiMo's patent payment method is:

In the first step, the customer uploads the payment certificate and account information to a secure DigiMo cloud account.

In the second step, DigiMo sends the bank card to the merchant (rather than to the individual consumer as usual). This special DigiMo card has a specific bin code. Each POS terminal of the merchant will be accompanied by a DigiMo card and a unique barcode/number.

In the third step, when the customer purchases the product, the customer scans the barcode at the checkout counter using the DigiMo mobile application. The customer then authenticates with the password or other security certificate connected to their DigiMo cloud account on the application, this information is sent to the cloud, and DigiMo knows which particular terminal the cashier transaction occurred. Finally, the merchant swipes the card at the existing POS card reader to use the normal bank card network for the rest of the transaction process, authenticate on the DigiMo server, and withdraw the amount from the customer's account. This transaction is complete.

The above is a description of DigiMo's face-to-face mobile payment solution, but the company also offers remote e-commerce, P2P remittances and coupons/promotions. DigiMo is currently trying to raise funds to carry out this business in the United States.

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