shafii khabarari of sed and sima, the main topic of updating the capacities of the payment network isviding the possibility of making purchase transactions using smart mobile applications and using virtual cards instead of physical cards with the latest technology, which is called the amber project in the bank. the central banking network and the country's network are in the process of pursuing sohrab or smart card plan bank companion is a project that, with its implementation , there is no need for the physics of bank cards for transactions. in the amber project, in fact, dear customers take action once to activate and install one of the smart payment programs, which will be notified. then, they register their bank cards on this program , this is done only once, then in each purchase transaction, similar to card purchase transactions, the transaction amount is entered at the end of the store to complete the purchase transaction after actually confirming the amount by the mobile phone receiver. smart that actually the method card is registered to that program the non-contact form is p