UEPS - A Second Generation Electronic Wallet

UEPS, the Universal Electronic Payment System, is an electronic funds transfer product which is well suited to developing country environments, where poor telecommunications make offline operation necessary. It is designed around smartcard based electronic wallet and chequebook functions: money is loaded from the bank, via bank cards, to customer cards, to merchant cards, and finally back to the bank through a clearing system. This architecture is uniquely demanding from the point of view of security.

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