Ideal solution for closed payment systems where money will be loaded in the smart chip of the card and use against purchases. Its is highly secured debit card system with an offline or online authentication. Easy to implement in the environments like corporate offices, Government offices, Prisons, co-operative society, retail outlets etc. Smart cards will be issued to the users which can be rechargeable or throwaway after the usage. The smart card terminal will be deployed at the POS and connects to the back end using the modem or TCP-IP connectivity. All the transactions will stored temporarily on the terminal and later downloaded to the central server. Various kind of analysis of data and reports can be generated from the back end. The solution also features single pass smart card encoding, smart cash loading, card black listing etc. Available in both contact and contactless smart card mode.