Safe & Quick Mobile Payment. SQ is an authentication and payment system for mobile, cashless and contactless payment via Smartphone.

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1 Safe & Quick Mobile Payment SQ is an authentication and payment system for mobile, cashless and contactless payment via Smartphone.

2 THE TARGET GROUPS Everyone can benefit from SQ PAYMENT SERVICE PROVIDERS, looking for a new and totally secure authentication and payment procedure that can be easily integrated into existing offers. LARGE AND MEDIUM-SIZED BUSINESSES, wishing to deploy an innovative, economically attractive and secure payment system. E-COMMERCE MERCHANTS, wanting to reduce their dropout rate during check-out and benefit from fast payouts and lower default risks. SMALL BUSINESSES, looking for an alternative to cash payments, without the need to invest in a new POS system or other hardware. OTHER EXAMPLES FOR USING SQ WITH YOUR INDIVIDUAL POS CAN BE FOUND ONLINE: THE PRODUKT Safe & Quick Mobile Payment at a glance SQ is an independent transaction platform that enables cashless mobile payments, wherever and whenever needed. The payment procedure is completed by scanning a QR code and inputting a PIN code. The QR code can appear in brochures, posters, receipts or even in the online shop. The underlying SQ technology can be easily integrated into existing applications by merchants and payment service providers. SQ gives you and your customers more independence, whilst offering you one of the safest payment processes on the market, thanks to its patent-pending authentication technology. SQ is a white label solution. With mr. commerce, customers can access this technology using our own end-user app SQWALLET.

3 MAXIMUM SECURITY GUARANTEED Two-way authentication CUSTOMER MERCHANT APP 3. Code scan POS 4. Transaction ID is sent 1. Authorisation request 6. Sends payable amount 7. Sends PIN 8. Payment confirmation 8. Payment confirmation 5. Transaction ID is compared 2. Transaction ID is sent as a QR code AUTHENTICATION-SERVER The SQ authentication server is at the core of the mobile payment process. The innovative, patent pending, two-way authentication process guarantees maximum security to end users: for this process an authorisation request is sent from the POS to the authentication server. The server responds with a unique transaction ID, marked with a timestamp, that is shown as a QR code at the POS. The user scans this QR code with a smartphone and sends back the coded ID to the authentication server. The server compares the two IDs and sends the payable amount to the user s app for confirmation. The user then confirms the purchase by entering his or her personal PIN and the authentication server sends back a payment confirmation to the POS and user.

4 SQ IN USE Possible application scenarios CASHLESS PAYMENTS IN A SHOP WINDOW SHOPPING ONLINE SHOPPING PAYMENT FROM PRINTED INVOICES PAYMENT AT THE DISPLAY OF VENDING MACHINES BROCHURES, POSTERS AND FLYERS ONLINE, OFFLINE OR TV ADVERTISING GOOD REASONS TO USE SQ The product offers these advantages SECURE PROCESSING Unique authentication technology, offering absolutely secure payment processing and data transfer. Data storage on domestic servers, data owned by the customer. RELIABLE AND FAST Fast transactions, fast payout, secured debit, payment history and overview available at any time. AFFORDABLE TO USE Free app, low transaction charges, no fixed contract periods. INNOVATIVE AND OPEN In addition to all standard payment methods (currently direct debit, in the future also credit cards, PayPal and invoiced purchase), it is also possible to integrate loyalty programmes and couponing. FLEXIBLE INTEGRATION White label to use with your own branding, easy integration into existing applications (apps, online shops, POS systems). EVERYTHING FROM ONE SOURCE Complete service that includes settlement, receivables management and payment collection.

5 THIS IS HOW PAYMENT WORKS SQ in three steps 1. SCAN QR CODE The customer scans the QR code from the medium displaying the code, such as receipt, screen, or poster with the SQWALLET app. 2. CONFIRM PAYMENT After a successful scan, the amount payable appears on the display and is confirmed by the customer. 3. ENTER PIN To complete the payment process, the customer enters his or her personal PIN. USE SQ WITH YOUR OWN BRANDING Integration options Integrate SQ quickly and easily into your existing app and allow your customers to make cashless payments securely, both online and offline. WE OFFER DIFFERENT WAYS TO INTEGRATE SQ IN YOUR OWN APP: 1. INDIVIDUAL SOLUTION (CLOSED LOOP) Our mobile payment technology is integrated into your app and guarantees you the functionality of secure authenticating and payment the SQ brand will not be visible to customers. 2. SQ NETWORK (OPEN LOOP) Our mobile payment technology is integrated into your app with the SQ logo. At your POS you can accept payment from your own app and all other apps that have integrated SQ and your clients will be able to pay with your app at other manufacturers, merchants and service providers. Of course, you can also combine both variants together and for example accept all SQ apps at your POS, whilst allowing clients using your app to pay only in your shops.

6 THE COMPANY mr. commerce mobile lifestyle mr. commerce operates an independent transaction platform for mobile payment. The company operates as a technical solution provider and offers advice to merchants and payment service providers regarding the integration, implementation and payment settlement from mobile payment procedures. mr. commerce is a subsidiary of the mr. net group, one of the leading specialists in Germany for payment and payment settlement, and benefits from being part of a strong group of companies with many years of experience in the entire transaction process from settlement and receivables management, right through to payment collection. OUR SERVICES At a glance Technologies, applications and services for mobile payments, mobile couponing and mobile advertising. Combining modern technologies with progressive ideas and developing innovative solutions for online shops, restaurants, retail shops and others. Convenient, efficient and secure payment systems and integrated couponing solutions. Integration of technology into existing (POS) solutions or providing a merchant application for mobile devices. Availability of an authentication server and a transaction management system. Assumption of end user payment settlements and clearing between the parties involved. mr. commerce GmbH Linkstraße Berlin - Telefon: vertrieb@sqwallet.de -