VAS Systems System Integration Consulting 2005 I-New communicative solutions GmbH

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2 about MAMBA What is MAMBA? I-NEW Communicative Solutions delivers a mobile assisted micro broker application called MAMBA allowing service providers and distributors to let their end customers transfer money directly from their mobile phone to another subscribers mobile phone account or bank account. This mobile operator, pre- or post-paid paid independent functionality gives the service provider the ability to offer numerous flexible services to their customers such as Mobile payment from handset to handset Voucher less prepaid account top up Web payment via mobile phone

3 MAMBA Platform Key features Multi-channel access Web, SMS, IVR, USSD,WAP, Java Multi-Country Support Any Merchant Touchpoints Web, SMS, IVR,WAP Real time transaction processing Interfaces to Banking, Web Interfaces via Corba, Interfaces to Charging Gateways like erefill or Alcatel OCG Complete Services Customer Care, Self Care,, CRM, Accounting, Admin All-in one system High performance and high availability Extendible modular and open Future-prove scalable and reliable

4 MBANKING KERNEL MPAYMENT IVR SMS USSD WEB

5 Payment with Mobile Prepaid and Postpaid Account Money Transfer from Prepaid or Postpaid to Prepaid Account Money Transfer from Prepaid or Postpaid to Reseller Account Cash Withdrawal from Reseller Account Money Transfer from Prepaid or Postpaid to Service Provider (i.e. Electric Bill) Money Transfer from Prepaid or Postpaid to Bank Account Money Transfer from Bank Account to Subscriber Bank Account Money Transfer from ATM to Prepaid Account Mobile Phone use for Withdrawal from ATM Prepaid and Postpaid 2005 I-New Mramor OEG

6 Example: mobile payment End customers with an electronic means of payment purchasing a product or service from a subscribed trader. Customer Transfer Money Mobile Operator Trader Confirm payment deduct / transfer MAMBA Server transfer Bank Account Customer is using his mobile phone to enter the money amount and authenticates himself with a PIN. He can choose via multiple channels such as IVR,SMS,WAP and USSD or a special mobile application. Due to real-time processing the trader and customer is immediately notified by SMS when the transfer has been completed. In the background,, MAMBA server checks the end customer s limits, debits his account, credits the service traders account and transfers the amount to traders bankaccount.

7 Example: mobile payment End customers with an electronic means of payment purchasing a product or service from a subscribed trader. Customer Mobile Operators Domain Transfer Money Trader Confirm PREPAID Server payment POSTPAID Server deduct / transfer MAMBA Server transfer Bank Account Bank Domain Customer is using his mobile phone to enter the money amount and authenticates himself with a PIN. He can choose via multiple channels such as IVR,SMS,WAP and USSD or a special mobile application. Due to real-time processing the trader and customer is immediately notified by SMS when the transfer has been completed. In the background,, MAMBA server checks the end customer s limits, debits his account, credits the service traders account and transfers the amount to traders bankaccount.

8 Example: voucher less top up End customers with a prepaid card is recharging his mobile account over a mobile voucher merchant. Customer Mobile Operators Domain transfer Merchant Recharge process PREPAID Server deduct / transfer MAMBA Server Customer pays the reload amount in cash to the merchant, who initiates a money transfer from his account to the customers mobile. The customer gets a confirmation message when the balance increment procedure on his prepaid account is successfully finished.

9 Security MAMBA - Secure and Safe Once a mobile phone is activated for mobile payment via MAMBA, a unique mobile PIN will be created that streamlines payment confirmation and keeps the customers money safe. The customer will be asked for his PIN or Password to confirm ownership of his phone for every single transaction. The payment details for every transaction are listed in the request, if a payment is not confirmed, no money is sent. The customers account is safe, even if his phone is lost or stolen.

10 Accounting Detailed Accounting Clear accounting simplifies the end users life. Mobile Billing helpsh the customer to get a handle on his transactions. The customer receives a monthly invoice via mail including all transactions from f the last month. Every entry includes date & time of the transaction money amount customer reference number of the initiator

11 Features MAMBA Service offers a network with multiple operators and distributors real-time and offline payment authorization multiple payment instruments limit management for consumers and merchants stored value account customer and merchant self care accounting and financial reporting.

12 Business flow creation environment The demand for quickly delivering new applications is increasingly becoming a business imperative today. For example, given the intense competition in the mobile telephony sector service providers needs to continually develop compelling applications to attract and retain end-users. Service providers therefore need tools to quickly develop and deploy interesting applications for their customers. MAMBA comes with a script based easy service interpreter to enable numerous services with quick time-to to-market.

13 Benefits MAMBA mobilises ist customers to set up independent and evolutive mobile businesses.. For financial services, Mobile operators, distributors and ISPs MAMBA ensure a fast return on investment and create Substantial differentiation. Money transfers anywhere, anytime, on any network, in any market, with any mobile device, payment and mobile phone trends to simplify people s commercial, financial and payment habits.

14 Benefit for the Customer The customer can pay his bills from everywhere, he saves time and material (driving costs) The customer is flexible, money handling becomes easy, no exchange no troubles In case his mobile is lost, the mobile operator can lock the sim-card and the money is safe.

15 Benefit for the 3rd Parties, e.g. municipal utility Saving on personal, the processes and controlling becomes very easy: Electronic money transfer Since ist easy for the customer the payments will be done on a more regular basis The transfer of real money and therefore risk of theft is reduced An automatic SMS reminder for customers with mobile banking in case of non paid bills.

16 Benefit for the mobile operator The customers will have more money on their prepaid cards, therefore the income due to interest will be higher. The customers will have more money on their prepaid cards, therefore the usage will be higher. For each transaction the customer will pay a fee, even the fee is small the income will be significantly higher due to the high frequency.

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