Mobile X Payment

XCard is a card in the MacroSD format, issued by a financial institution, with flash memory of 2, 4, or 8 GB, embedded with a micro-controller and FISC II chip. XCard can provide Identification, security control, multiple transaction functions (deposit fund transfer, credit card, debit card), and data storage functions. XCard resides in a mobile device and can provide payment services for physical and virtual channels at any time and any place.

The payment processes is driven by the user, without the need to provide any physical card, bank account, credit card number or personal information to the merchant