The mobile terminal comprises of a program for mobile phones (which is uploaded via data-cable, Bluetooth, or by using a Wi-Fi/IrDA/GPRS connection). The program is rather simple and doesn’t require any considerable telephone resources. The minimal requirements are: the phone needs to support Java program with a MIDP 2.0 profile, which is common for most up-to-date mobile phones.

At present the terminal exists with various interfaces in two versions. The first version (simplified) operates on all phones makes and provides only text information. Its interface is similar to the mPOS-terminal. The operator has to enter a service code, pop-up a nominal and a subscriber’s telephone number manually into the appropriate line.

The second (full) version doesn’t require service codes input. The program has window interface and a practical menu (with two modifications). The list of available services (or services logos – in alternative menu modification) is displayed on the phone screen, which are all ‘active’ links. After choosing the required service the window with the available codes list and a space for phone number input is displayed. As a result of the request sent to the providers’ server, the message with a top-up PIN-code arrives or it confirms the successful transaction – in case of client’s account direct top-up.

The mobile phone with the screen not less than 128x128 pixels is required for fully-fledged soft-terminal version functioning. In order to get the possibility of graphic logos display it is preferable to have a color screen phone.

A soft-terminal for mobile phones was developed as a more economical alternative to the traditional POS-terminal containing all functions (except for check printing). It allows the selling of top-up codes and the refilling of clients’ accounts directly. It takes not more than 5 seconds to carry out a transaction, which shows its operational high speed. There is the possibility to check a transaction status. Soft-terminal allows one to create two types of process reports (at any time from the moment the session starts or a complete report when the session ends). Complete reports are stored in Pay-n-Get system data base.

The transaction is carried out via secured channel. There is a key file modified in soft-terminal on operator’s server in order to authorize the user. Moreover, a login and password is always required.