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Margento mobile solutions
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© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM CONFIDENTIAL INFORMATION
MargentoOverview
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Mobile phones are the most common electronic device in the world – 7 billion+ phones.
With Margento the mobile phone becomes all-in-one instrument, enabling consumers to
collect and redeem bonus points,
pay for products and services,
top up the balance on pre-paid phone accounts,
redeem coupons,
send and receive funds,
use mobile tickets, and
buy and send electronic gifts
Margento improves consumer purchase experiance, security, and reduce costs
Majority of transactions are still not electronicMost population is still unbankedCash still dominates consumer payments
Margento has potential to overcome the barriers in enabling mobile phone to become the major device and means for consumer payments.
Margento – delivering the future of mobile transactions solutions NOW
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento is comprised of
Margento is comprised of
Margento SolutionsMargento Solutions
The richest portfolio of powerful mobile transaction solutions based on a single platform.
The richest portfolio of powerful mobile transaction solutions based on a single platform.
Margento TechnologyMargento Technology
Patented Data Over Voice technology
Complete line of POS terminals Margento Mobile Transactions
Platform
Patented Data Over Voice technology
Complete line of POS terminals Margento Mobile Transactions
Platform
SCENE
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Solutions
Mobile Payments
ICPSMobileRecharge
Bonus &Loyalty
MobileGifts
MobileCoupons
MobileTickets
MobileRemittanc
e
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Technology
Complete line of POS terminals
Reliable & versatile identification and communication equipment
POS Terminals Margento Platform
Margento Mobile Transactions Platform
Proven & flexible end-to-end software
Data Over Voice / Near Field Communication
Patented Data Over Voice technology
Unique & innovative technology that makes Margento special
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Platform
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Terminal specifications:
• NFC reader
• DOV enabled
• Certifications
• EMVCo, EMV Contactless lvl 1
• EMVCo, EMV Contactless lvl 2
• ISO14443 A/Mifare in B, Felica
• Mobile NFC
• GUI Elements
• LED indicator
• Graphical LCD display
• Available 3rd Party Connectivity
• 2 USB connections
• 1 Ethernet connection
• 1 RS-232 connection
Margento’s nPOS terminal is used for all kinds of proximity transactions.
Microphone for DOV
Contactles readerfor NFC
Under the hood...
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento for all retail location types
Mobile Points of sale
Automated Points of Sale
Traditional Points of sale
• Vending machines • Parking meters • Amusement (video,
gaming)• Ticket machines
(bus, train)• Car wash
• Restaurants, Bars• Home delivery (z.B.
Pizza)• News stand/Kiosk • Ticketing (e.g. ticket
window)• Taxi
• Classic retail shops• Pharmacies• Convenience stores• Supermarkets• Petrol Stations
Internet merchants
• Webstores• Pizza delivery
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento DOV technology
Margento uses the voice channel of a mobile phone to transfer different types of transactional data from a point of sale (Margento Terminal) to authorization facility for approval of payment or transaction.
Margento technology is patented; PCT patent is published under Int.pub.num WO 02/33889
Speech
Person 1
Mobilephone Mobile operator Person 2
Mobilephone
Speech
Transmission data over the voice channel system GSM
Margento center
Point of sale
Mobile operatorMobilephone
Voice
modulated
data signal
Margento terminal
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento the most customer-friendly solution
Works with every existing mobile phone
Business solution independent of MNO,and phone manufacturer
Secure: Mobile does not store user- or account data (name, account, PIN, etc.)
User- and account data is not disclosed to the merchant
No software download on phone necessarry; no phone hardware change needed
Anybody who can make a call, can use Margento
Compatible with all existing & future phones
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Technology has evolved; additional terminals developed...
Start early 2000’
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Intellectual Property
• Margento is a registered Trademark
• Margento has filled numerous patent applications, including patent for Margento DOV technology has already been granted in more than 50 countries:• "System for payment data exchange and payment terminal device used therein" filed under
PCT international application number PCT/IB2000/001495, publication number WO/2002/033669 .
• »Payment terminal device for payment data exchange« filed under PCT international application number PCT/IB2002/001223, publication number WO/2003/088165 .
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento is ready today!
MARGENTO DOV technology2009
READY FOR
7 billion+ phones globally
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© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM CONFIDENTIAL INFORMATION
Margento Procedures and Examples of Use
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Payment steps (mPOS)
Enter PIN
**** 18050 €
Enter Amount Transaction
Printing
MERCHANT USER
PIN optional, up to Issuer of the
account
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Top Up (Voucher with Code, GPRS)
Customer pays the retailer for the desired amount of
airtime.
Retailer enters Amount, or predefined
denomination of TopUp into Margento terminal
Terminal sends request for
TopUp to MNO.
Voucher with Code is printed.
Customer uses Voucher to TopUp the prepaid
account.
50 €Enter Amount
CUSTOMER RETAILER
50 €Enter Amount
CUSTOMER
12 €Recharge
Sending
Printing
1234
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Margento Automatic Top Up
Customer dials the Margento access
number.(In case customer wants
to recharge 3rd party mobile phone - number
is entered)
Customer places the phone against the
Terminal and waits until transaction is finished.
Margento Terminal prints out two
transaction receipts, for customer and retailer while the customer’s prepaid account is
automatically credited.
Printing
Customer pays the retailer for the desired amount of
airtime.
Retailer enters Amount
50 €Enter Amount
CUSTOMER RETAILER CUSTOMER
12 €Recharge
180Transaction
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Collect points/bonus via Mobile
Customer makes a purchase (Cash,
Plastic, ...)
Customer dials the Margento Center
(authorisation facility) & taps the
Terminal.
Purchase date is collected and
registered in the bonus & loyalty
program
180
Transaction
CUSTOMER
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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DOV
**123
NFC enabled smartphone
Smartphone with our App installed
Regular Classic phone
1. Step Initialize transaction by either:•Enabling NFC•Starting Margento App•Dialing the short No.
3. Step Specify the coupon to be redeemed.
4. Step Receive redemption receipt.
2. Step Tap phone against the Terminal.
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Overview: Security
• All transactions are processed in real-time• Each transaction is based on white / black lists review• Enables centralized management of credit limit
• Data encryption (like SSL) based on Elliptic Curve Cryptography (ECC) for communication between terminal and Center
• IPsec VPN tunnels and secure dedicated "leased lines" for communication between the components of Margento Center , and other 3rd party platforms
• User identification via SIM (MSISDN), user authentication via PIN• SIM card is difficult to clone, cloned SIM can not coexist to the original SIM in the mobile network
• Merchant authentication based on PKI• Terminal is is identified thru a unique preloaded terminal ID (TID) • Two Ways PKI-based authentication during "secure session setup": identity of the terminal is
verified by Margento Center; Margento Center identiity is verified
• PIN Encrypted by standardized algorithms: • DES (ANSI X3.92, X9.24), 3DES (ANSI X9.52), ECDSA (ANSI X9.62); ECDH (ANSI X9.62)• PIN at the terminal is never associated with payment account details
Secure communication
User authentication
On-line Authorisation
End-to-end encryption
MerchantAuthentication
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© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM CONFIDENTIAL INFORMATION
Margento Live
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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• 2 Mio. inhabitants
• 750.000 users >40% of the population
• 10.000 POS are equipped with terminals
• 1.5 Mio. payment transactions per month
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Issu
ers
P
rocess c
en
ter
Netw
ork
Bank
MNO
MNO
Bank
MNO
Automated POS
WEB store
Classic POS
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Apparel Group:
• Start in May 2010 with 36 brands
• Over 600.000 registered customers from 190+ countries
• Bonuses can be collected and redeemed in +330 retail shops
26
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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• Mobily customers can redeem points collected through airtime usage.
• Points can be redeemed at 10.000 POS for instance at mall stores like Replay, Guess, supermarkets etc.
• Number of transactions per month including Loyalty, Bill Payment and Prepaid Recharge TXNs app. 14 mio.
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Main benefits of the system are:•elimination of paper vouchers, along with all the trouble related to acquiring them•increased visibility and transparency over the use of vouchers•online checking of used and remainingvouchers
No. of Active Terminals:• 1400+No. of Restaurants in theNetwork:• 1000+Number of Registered Users:• 120 000+
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Key Statistics•close to 400 000 Urbana cards in use•in excess of 100.000 daily validations•close to 60 million transactions•processed annually
The System in Numbers:• entire public transit fleet of several hundred vehicles entirely equipped with vPOS terminals• close to 200 mPOS equipped points-of-sale offering contactlesscard recharge• 40 highly-capable Self-Service Kiosks conveniently placed within the city perimeter• over 140 TaPOS equipped parking machines, enabling both card and mobile phone payments
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Prepaid Aufladung bei T-Mobile
Live Show Case
Shops, Filling Stations & Convenience stores
CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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CONFIDENTIAL INFORMATION© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM
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Promotion
Printed Advertisements
36 |....
© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM CONFIDENTIAL INFORMATION
Thank you
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