PAT solutions feature global mobile payment message routing, enabling bank customers to make payments, purchases or transfers to any individual, merchant or organization via a mobile phone.

Solutions

	Bank customers use PATsend to transfer money from their bank account to another person’s bank account domestically or internationally using a mobile phone. The sender uses the recipient’s telephone number to identify them.
	Registered PATbuy users can pay for products or services from participating merchants via mobile phone.
	PATbank enables bank customers to perform a variety of mobile banking tasks using their mobile phone, including bill payment, viewing statements and viewing account balances.

Designed for Banks

By addressing customers who demand convenient payment options, third party payment providers have gained customer trust at the banks’ expense. In addition to missed revenues, check processing and cash handling costs are high. CPNI’s PAT solutions provide the capability for banks to capture these revenues, decrease processing costs and both acquire new customers and retain existing customers.

PAT is a global, bank-branded solution with the majority of the revenue flowing to the bank. PAT leverages a bank’s existing infrastructure and systems, including bank accounts, KYC (Know Your Customer) checks, security policies and clearing/settlement mechanisms.

Interfaces

All PAT solutions use a generic interface to easily adapt to a financial institution’s requirements. PAT has been engineered to provide banks with a choice of user interface without modification of the PAT payment messaging engine. This approach provides the opportunity to utilize existing user interfaces and to take advantage of new interfaces that have not yet been developed. To provide optimum convenience, performance and security, the primary interface is a customized Java application downloaded to the mobile phone. Customers make payments, transfers and perform administrative banking tasks by following simple instructions displayed on their phone.

Other interface options include online banking portals, USSD, SMS or WAP.