REQUIREMENT Cashless payments by card are very popular in Austria, be it with a Maestro debit card or PayLife credit and prepaid cards. A versatile SMS solution was sought to enhance the card-based payment service for cardholders. Practically every cardholder also owns a mobile phone, allowing them to access information anytime, anywhere, e.g. even when abroad. atms was charged with the step-by-step implementation of the following services for

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