Personalized

Payments

October 2015

1

Messaging apps outgrow the mobile and the online

payment market.

2 *Combined #user of: Whatsapp, FB Messenger, WeChat, Skype, Snapchat, Viber, Line, Kakaotalk** PayPal transaction volume

100%

138%

193%

240%

273%

100% 118%

141%

163%

190%

100%

121%

129%

150%154%

Jul 13 Jan 14 Jul 14 Jan 15 Jul 15

Messaging MAU* Online Payment Volume** Mobile Payment Volume

Mobile payments enable higher engagement and better

monetization for online and mobile.

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• Mobile payment CAGR 52% ’10-’15

• Highly competitive & clustered

• P2P increasingly complementing B2C

usage

• Concerns about security with mobile

wallets and payment

Current mobile payment market The scope of things to come

Develop a payment infrastructure with interactive messaging

features

• Whatsapp, Facebook and more enter

mobile transaction market

• Contextual purchase recommendations

& payment processing

• Increased variety of payment options,

timing and features

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• In-store payments with NFC/QR - facilitate reward

program introduction and customer interaction

• Online-delivery options that include mobile ordering,

payment, tracking and support

Retail businesses increase

customer engagement

Popular apps expanding

their scope of business

B2B firms allowing for

mobile procurement

• Messaging apps, hoping to diversify their business

models

• Gaming apps, searching for smoother transaction

experience to increase purchase frequencies

• Corporations, wanting to offer an integrated marketing,

sales and post-purchase processing experience on

mobile devices

• Companies, looking for a mobile extension of their online

set-up

Seamless integration and perceived customer value

create mobile payment success.

Our vision – Supply the infrastructure for secure,

context-based payments in a mobile setting.

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How to secure mobile

transactions with more than

a password?

How to increase customer

engagement and therefore

sales potential?

How to set up a reliable

infrastructure for integrated

payments?

White Label Messenger

Secure

encryption

Built for

enterprises

GPS

locations &

Geo-Fencing

Performance

by design

Exclusively designed for large

organizations, covering a vast

feature bandwith while

providing an open platform.

Introducing MDK: a white label messaging infrastructure

for payment & context rich applications.

Highly scalable infrastructure,

capable of absorbing any

growth needs and designed to

seamlessly integrate with third

party services.

High quality data throughput

and storage infrastructure,

minimizing data loss and

supplying on-the-go hosting

scenarios.

All communication and data is

encrypted and hosted, using

industry security standards, to

prevent privacy and data breaches.

Emphasis on geolocation services

to allow for unique application

scenarios in the geofencing

context.

Process payments and support

mobile transactions through third

party payment wallets, such as

Google Wallet or PayPal.

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Possible Use Case: P2P payments –

connecting families, friends and strangers.

Split the restaurant bill & pay

your friends back using MDK.

Upload the receipt and use the

messaging functionality if

somebody forgot their order

Invite all your MDK contacts

to buy the same item/service to

receive group discounts

Share exciting deals and

coordinate your friends quickly.

7

Allow exchange of in-game

currency for items, boosts and

perks from other players.

Monetize each transaction

based on a handling-fee

Allows players to stay in touch,

share the loot and coordinate

valuable in-game gear

Creates community feeling and

increases play duration

International money transfers

simplified and enriched

through communication

Transfer funds to your family at

home or abroad to your children,

while chatting and exchanging

pictures

MDK streamlines this payment

process chain into one app

Context Embedded Payments

Social Payments In-Game Transactions Cross Border Transfers

Possible Use Case: Utilize mobile payments to capture

impulse purchases.

Situation

Large networks / groups

High willingness to pay

Initial non-smartphone contact

Action – reaction time gap

Lack of transparency

Meager conversion rates

8

Push

Notifications

Activity

Awareness

QR-Code Shopping

Discover new products

anywhere and scan the code,

Receive information per text,

voice, video

Purchase product instantly or

later on through the app

Biometric

Authentication

Mobile

Payments

Donations

Supplement (charity) events

with a personalized app

Video streams, push

notifications and open call lines

available

Allow encrypted payments

using MDK’s infrastructure

MDKs feature set is to provide opportunities to build

messaging platforms and allow third party integration.

MessagingSend text, audio, picture and video

messages to single contacts or groups.

User ProfilesProvide complete user profiles,

including customisable themes and

third party social media integration.

Location ServicesShare specific location data and geo-

tag messages by activating the

location services functionality.

Content & Data StorageSecurley upload, store & send content

within the MDK infrastructure or

through third party services.

Authentification & VerificationSecured user authentication via

validated phone numbers or social

media profiles.

NotificationsPush notifications for messages and

events to specific contacts or groups.

VOIPTransmit voice data and set up

mailboxes for missed calls.

Third Party Services Integrate third party content platforms,

such as YouTube and allow sharing of

internal data to outside web properties.

EventsCreate and manage events for private

and public audiences.

Polls & RemindersAllow the creation, sharing and

exporting of context based polls and

reminders.

Streaming & ConferencingStream video and voice live to follower

audiences or within a private and

secure environment.

Location Search & DiscoveryImplement any number of location

based search and discovery features.

PaymentsSend and receive money through third

party payment wallets, such as Google

Wallet or PayPal.

Content PlatformsBuild a content platform and

marketplace, to allow the exchange of

user generated content.

Voice RecognitionTransform audio into text.

Follower ChatsEnhanced administrative capabilities

for VIPs, themes and events.

AnalyticsAdvanced user administration and

analytic capabilities.

Translation ServicesEnhance your communication

capabilities with translation from

services such as Google Translate.

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The MDK architecture – Providing a full stack payment

environment solution.

1

2

3

4

2. MESSAGING BACKEND

Highly available server cluster

3. SERVER INFRASTRUCTURE

Lightweight communication

protocol based on MQTT

1. MESSAGING PROTOCOL

Client integration via APIs

and cross platform SDKs

4. CLIENT INTEGRATION

Highly scalable messaging

application server

10

The MDK architecture is flexible and designed to

integrate third-party sources and content providers.

MDK Services

Databases

Location

Services

Third-Party Services & Content

Providers

Cloud based On-premise

MessagingPayments

Authenti-

ficationNotifications ...

Analytics Administrative Services

MQTT / HTTP API

MQ

TT

/ H

TT

P A

PI

Multi C

hanne

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essagin

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Payment

Recipients

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MDK Labs was launched with the help of its partners in early

2015 and currently operates 3 offices in Russia, Germany

and the United States.

Technology Provider

Based in San Diego, CA, Tourmaline

Labs provides technical know-how and its

patented ContextKit technology.

Partners

Mastertel and 3data are Russia based

high-tech telecommunications and

hosting providers.

Incorporated in 2015 in Berlin and

currently ramping up the development

and early sales activities, MDK Labs is

set out to enhance communication and

productivity on a global scale through its

technology.

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US Office

101 West Broadway, Suite 110,

9101 San Diego, California, USA

German Office

Borsigstraße 9

10115 Berlin, Germany

MDK Labs GmbH

Kilian Thalhammer

Email: kilian.thalhammer@mdk.io

Phone: +49 160 47 84995

Russian Office

Sheremetyevskaya 6 bld. 1

129594 Moscow, Russia

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