The out-of-the-box solution involves Mosaic's Postilion Realtime product as the online authorisation, transaction switching and terminal-driving application running on Stratus ftServer fault-tolerant Windows 2000 servers.

Using Thyron Technologies' PayCell mobile point of sale (POS) terminal, payments transactions can be authorised online anywhere a standard mobile carrier signal can be detected.

When a payment authorisation request is initiated the transaction is transmitted securely as GSM data over the wireless network to a Postilion GSM Gateway. The gateway acts as a 'concentrator' for mobile devices, passing the request to a Postilion Realtime funds authorisation server. The authorisation server either authorises that transaction locally or switches it to the card issuer.