Hierstar is committed to making a secure mobile universal carrier of identity and virtual currency, online and offline. Hierstar specializes in display cards that embed the OTP and PKI technology into a IC card. This display IC card unifies online and offline authentication, encryption, authorization, rights management, payment, ticketing and other "multi-flow to one" solution from the cloud to the mobile clients. This solution enables personalized cloud service, resource management, behavior management, transactions, payment, large data collection and tracing, and  green/paperless information consumption. By integrating with payment systems, using the concept of Hierstar information pointer , finanical transaction becomes a matter of authentication and authorization merging “online and offline” seamlessly.