The is the project details for PIN codes Payment gateway solution (e.g.like Paypal, alibaba.com, ebay but default payment will be strictly by PIN codes and one or two merchant services.)

I want an independent system with user authentication and PIN tracking system.
I want to use this system on different shopping cart systems e.g. Zen Cart, Oscommerce, Prestashop, Virtuemart, CREloaded, Magento, etc. This way, the order processing, login, checkout and all other stuff will be done on my system.


This is how it will work:

1. A PIN generator and management system.

2. Main admin, controlling client accounts.

3. Client A has a shop on osCommerce. Comes to me for a PIN payment solution.

4. I create the client account.

5. Client then can login to manage and create their PINs.

6. I have set of payment gateway modules designed for various shopping cart systems and mobile devices.

7. Clients can download these payment modules from their account.

8. My system act as a payment gateway processor. So all PINs from client's site are processed through my system.


PINs can be interfaced with virtual terminal and handheld devices e.g. Android and iPhone devices, Point-Of-Sale terminals.

Features:

Mobile Tools (SMS payment, send money, request, etc)
* Send money to anyone around the globe by only their email address
* Request funds from anyone
* Escrow payments
* Deposit money using credit card, bank account or mail
* Withdraw funds to your bank account and other means
* Full Merchant Tools (singles, subscriptions, donations)
* Virtual Terminal
* Instant Product Checkout
* Seller API support
* Multiple language support
* Multiple currencies


Do let me know should you require further clarifications.