mobile wallet platform 2015

Mobile Wallet Platform

Partner Presentation, October 2015

www.mwallet.pro

mWallet

http://www.mwallet.pro/

Solution

Mobile Wallet:

• A mobile platform turning a

smartphone into a powerful

payment and loyalty tool

• Peer-to-peer transfers

• Simple one-click payments

• Easy and secure authorization

Simple and secure www.mwallet.pro

Mobile Wallet Functionality (1/2)


Simple authentication & authorization One-time passwords (OTP)

used to log-in

All-in-oneAll profiles in a single mobile device

Mobile WalletPayment data storage, unlimited pa

yments and transfers

Pay by QR codeQR codes used for payments

Payment cards linked to an accountVisa, MasterCard, AmEx

InvoicesGet bills and invoices and pay for goods

and services instantly

P2P transfersMoney transfers between users (card to

card) via card # or cell phone #

Offline paymentsPayments for goods and services

(QR/NFC/HCE)

Mobile Wallet Functionality (2/2)


E-policiesInsurance online

LoansPersonal lending programs

Information (merchant news, currency

exchange rates, etc)

QR code generationQR codes used to log-in

Discounts and promotionsOne-stop-shop for discounts and pro

motions from favourite brands

TicketingMobile payments for transportation

tickets and tickets for events

Adding funds to mWalletWide choice of mWallet replenishment

tools (including cards and e-money)

Mobile acquiring API for merchants to get payments by

QR-codes

Consolidation of loyalty programsAll loyalty cards in one place

How to add money to a wallet


A mWallet owner can

connect any bank card to

their wallet by indicating

the card details.

A number of cards that can

be connected to mWallet,

is unlimited.

P2P Money Transfers (via mobile app)


A mWallet owner can

transfer money to

another person using

recipient’s either

payment card number

of cell phone number as

an identifier.

If the user chooses

phone number as a

recipient’s ID, he can

browse his contact list to

select a transfer

recipient.

P2P Money Transfers (via website)


A mWallet owner can also transfer money to another person via website. To receive money,

the recipient should indicate her cell phone # and card number.

Send p2p transfer

Card # Phone #

Number of recipient’s bank card

Not required

Transfer

Receive p2p transfer

Transfer between e-wallets


A mWallet owner can transfer money

from his electronic wallet to another e-

wallet user using recipient’s cell phone

number as an identifier.

All he has to do is to select a recipient from his cell phone contacts, enter a

transfer amount and add a note, for

example “Addison’s contribution to the

Marley’s birthday gift”.

Merchant tools – how to receive payments (1/2)


Card # Phone #

Number of recipient’s bank card

Not required

To receive money, for

example, as payment for

goods or services, or as a

donation, you can

generate a QR code at the

website, indicating your

card number or mobile

phone, payment or transfer

amount and, optionally, a

payment note.

Merchant tools – how to receive payments (2/2)


The payer can scan a QR

code via his mobile app,

the item or service, price

and description are

uploaded automatically.

The payment is credited to

the recipients card he

indicated wile creating a

QR code.

Copied to the clipboard

Test item

Test payment

Offer for your business


We are happy to offer you to launch

Mobile Wallet under Your Brand and Visual

(full White Label):

• quickly - within 1-2 month*,

• complete set of basic functions,

• professional technical support,

• flexible platform with huge opportunities

for further development.

* Integration with the service providers may require additional time.

Mobile Wallet for Customers: Use Cases

Simple and secure

SmartTV payments

Quick mobile payments: Mobile commerce, online

games, content

Catalogue

Shopping using QR

codes

Buying from the packing: your friends

can buy the same item without visiting a store

Offline payments in local stores, cafes

and restaurants

QR code for cash-back

1 2 3

4 5 6

www.mwallet.pro

Smart TV payments (1/2)

Simple one-click

payments for TV

content

Purchase of music

content

Voting in the talent-show in

one click, without calling or

texting

1


Smart TV payments (2/2)

Instant purchase of goods advertised on TV

Impulsive purchases made easy - if a user likes an

advertised item, he scans the qr-code on a TV screen with

his mobile phone. The merchant receives the information

about the item, customer data, transaction and shipping

address.

Easy and seamless TV shopping

Quick, easy and secure shopping without getting up from

the couch. Watch your favourite shopping channel and

purchase the item you like in a single click, no calls

necessary.

1


Quick mobile payments

Log in, registration and payment in

mobile applications or websites in a

single click without entering a

password.

Paid

content

2

Mobile

shopping

Online

games


Catalogue Shopping

The merchant

receives the

information about

the item, customer

data, transaction

and shipping

address.

Users can make

purchases via

shopping catalogues

using their mobile

devices.

3


Offline payments for goods and services

mWallet can be used for

payments for goods and

services in stores, cafes,

restaurants, taxies, etc.

Customers don’t have to

care about carrying cash or

cards. Payments are simple,

secure and time-saving like

never before.

4


Offline mobile payments with NFC

Simple and secure

Convenient & secure digital values management and secure NFC-

transactions made easy with your mobile device.

mWallet NFC platform:

- made to replace plastic cards with their digital analogues.

- in line with the EMVCo tokenization specifications and Visa & MasterCard.

- based on the HSE (Host Card Emulation) technology (supported by

Android OS).

- NFC Card emulation mode enables NFC-enabled devices such as

smartphones to act like smart cards, allowing users to perform

transactions such as payment or ticketing.

- NFC can be well adapted for all kinds of situations ranging from bank

cards to transit passes, movie passes, reward systems and even keys.

- Storing payment information in mWallet app provides a safer environment

than a physical wallet. This technology allows the customer to load

multiple cards and choose which one they wish to use for each

transaction. Not only does this save time, but it also reduces the chances

of losing a payment card that comes with carrying multiple cards around.

www.mwallet.pro

4

mWallet for cashback

Customers can benefit

from the cash-back loyalty

programs offered by

producers or merchants.

To receive a cash back for

their purchase all they

have to do is show the QR

code to the teller.

5


Packing that sells6

Want to buy the same item as

your friend had purchased?

No need to surf the web stores

and to enter your payment

details. All you have to do is scan

a QR code on a product

packing.

The price and availability will be

checked automatically, and the

merchant will ship you a desired

product right away.


mWallet for producers

Loyalty program for your customers that helps you to build the trusting

relationship and to reward the customers for choosing your products

• A customer purchases your product, finds a

QR code on a packaging, scans it with his or

her mobile phone and receives cash back to

the mobile wallet.

• Unique codes, available for checking via

mWallet, ensure your customers that they’re

purchasing genuine products.

• Gamified cash back rewards encourage the

customers to choose your brand again and

again.


mWallet for service companies

• Easy billing and payments (bills are sent via push-message to a

customers smartphone and can be paid in a single click, no

mobile app login is necessary)

• Insurance policy sales in instalments

• E-policy in a form of QR code containing all the necessary data (agreement #, type, terms, etc.)

• Mobile application for customers to make insurance payments,

to receive insurance indemnity, to acquire new products and to

participate in special offers

• Custom-branded prepaid MasterCard payment card

• Customized loyalty program

• Customer and transaction analytics

mWallet features for service providers:

Scan the QR code


mWallet for company

• Branded mobile application for company to keep

your customers informed about your promotions,

discounts and news and to maintain long-term

relationships with your brand supporters.

• Mobile application allows users to manage their

money and cash-back points balance and to

purchase products in one click using only their

mobile phone.

• Prepaid card linked to a customer mWallet account

to make payments, to get cash-back and to

participate in promotions.

• Customized loyalty program.

• Customer and transaction analytics.

Your Brand


Thank you for your attention!

Ask us about details.

mWallet

Simple and secure

Mikhail Miroshnichenko

Kiev, Ukraine

Email: [email protected]

+380.68.331.95.03

http://ua.linkedin.com/in/michaelmir/

Yuriy Chayka

Kiev, Ukraine

Email: [email protected]

+38.067.621.57.13

https://ua.linkedin.com/in/yuriychayka

www.mwallet.pro

mailto:[email protected]

http://ua.linkedin.com/in/michaelmir/

mailto:[email protected]

https://ua.linkedin.com/in/yuriychayka