Prepaid reload services

www.mobilityone.com.my Prepared by: Srong Channa

Value added services ATM, Internet banking, mobile banking


Overview

M1 partners

Bank value added services

-E-payment (mobile phone top-up..)

-Bill payment (postpaid)

-ATMs

-Mobile banking

-Internet banking

M1 features and benefits

Proven track record


Overview


Listed in the London Stock Exchange

MSC status company and awarded grant by MDeC for development of advance payment

technology in 2007

Non bank 3rd party acquirer from MEPS for e-debit transaction

An e-Commerce infrastructure payment solution provider with own payment technology

accepting cash, e-debit and credit card transactions over multiple payment channels (e.g. web,

mobile, terminal and banking channels)

Established relationship with over 20 business partners ranging from telecommunication

companies, financial institutions, ticketing agencies, transportation operators, remittance

companies and multilevel marketing companies

MobilityOne in brief

http://www.londonstockexchange.com/home/homepage.htm


1. e-Commerce Infrastructure Services

- Electronic retail points

- Products and services aggregation

- Payment services

2. Solutions

- Mobile

* Mobile e-voucher system

* Mobile credit transfer

* Mobile banking

- Payment system

- Business support

Products and services


Business Partners

(Distribution Channel)

Financial Institutions

Chain Retailers

Multi-Level Marketing Company

http://www.mycni.com.my/index.html

http://www.affinbank.com.my/home.htm

http://images.google.com/imgres?imgurl=http://www.moneysection.com/images/mbfcards.gif&imgrefurl=http://www.moneysection.com/hotline.php?cmd=reset&h=46&w=90&sz=4&hl=en&start=10&um=1&tbnid=8HSwNJ7aDBHTiM:&tbnh=40&tbnw=78&prev=/images?q=MBF+cards&um=1&hl=en&rlz=1T4ADBS_en___MY218

http://www.rhbbank.com.my/index.shtm


Mobile Network Operators

Internet Providers

Event Organizer

Transportation Company

Other Services

Telecommunications Providers

Service Providers ( MALAYSIA )

http://www.digi.com.my/index.jsp

http://www.ktmb.com.my/index.cfm


Mobile Network Operators

Billers (bill payment providers)

Service Providers


Bank services market

Look out the currently feature of ATMs and Internet banking are still not useful,

people are interest in new technology and more services to get all in one set

People willing to spend whatever to make life easy

You may have more services and account user may got more convenience

MobilityOne

M1 Group are ready to assist you to deploy new technology (value added services)

that we have been done very successful in Malaysia with Maybank Malaysia, CIMB,

Citibank..

Low cost but more benefits

Increases more satisfaction to bank users

To rise up more revenue through M1 services

Deploy new services

Prepaid reload (Top-up services)

Bill payments

Bank value added services


Connectivity

Overview


Bank Secured Environment

SupportCustomer CareAdmin

PrepaidTicketingBill PaymentMisc

ATM Network

Mobile Banking

Host

Internet Banking

Host (future)Core Banking

Host

VPN

ATM Banking

Host

Internet

Transaction

Mediation

System

(VAS)

(Service Provider Aggregator)

}

Alternate Banking Host

GSM NetworkSMS Gateway Telco SMSC

Internet

Connectivity

Overview


Features and benefits of M1


M1 features

ABOSSE™ - Adaptive Business and Operation Support Systems Environment

MoCS™ - Mobility Commerce Solution

A solution developed in-house by MobilityOne

A proprietary technology by MobilityOne

The technology has a proven track record with:

o Financial institutions for the mobile banking and Internet banking

o Telecommunication companies for the mobile reloads, e-voucher

o Retail and chain stores for merchandise payment via e-debit & credit card

o Transportation operators and event organizers for e-ticketing system

o Multi-level marketing companies for mobile reloads via credit cards

The objective and role of MobilityOne is to establish, operate and manage a secure and resilient e-Payment

infrastructure covering the country via three main conduits; Internet, mobile phone and physical payment terminals

to produce a trusted infrastructure capable of hosting secure payment transactions throughout Perak.

In view of the appointment as the owner and operator, MobilityOne shall establish, integrate, operate and manage the

e-Payment infrastructure in view of above objectives.


Society (People)

Encourage the usage of electronic payment among population in-line with government initiative on

e-Society

Provides greater convenience to customers to make payment

Encourage faster development of K-economy via technology transfer of IT and financial services

skills to local citizens

Less cash management reducing the exposure to crime

Expose the society to the new opportunities made available by new commerce environment

Provide global exposure for Perak and its local products and services

M1 features


Reload via SMS/Mobile banking


Mobile banking

interface option

Java Applet menu driven interface

security built into Java app

does not require Telco support

Java applet customization for almost every phone

not commonly used by public

costlier for general users as transaction based on data rate

WML

(GPRS, EDGE, 3G)

high interactivity


not supported by all phones

not commonly used by public

costlier for general users as transactions based on data rate

Interface Type Advantages Disadvantages

Plain SMS supported by all phone types

commonly used by public


menu not available

need to remember commands

affected by SMS congestion

Sim Tool Kit (STK) menu driven interface

does not require to remember banking commands

require Telco’s support

consumer need to get updated SIM card

affected by SMS congestion

USSD supported by all phone types

commonly used by public

menu driven interface

rare congestion issues

require Telco’s support

need to remember initial command


Reload transaction via mobile phone

Pre-register SMS purchases with Public Bank

Check and send SMS to MobilityOne SMS gateway

Key in the following:

Top-up instructions

SMS code

Process Flow – Prepaid Purchase via SMS


Mobile banking flow

Request

Fund Transfer SMS: PBBTrf <acct from> <acct to> <amount> <pwd>

Acct# 1234567890 Bal:RM 950.30

PBBInqBal 123456

Balance Inquiry SMS: PBBInqBal <pwd>

Transfer from SAV:1234567890 CUR:8534789543 Amt:RM100.00 successful

PBBTrf sav cur 100.00 123456

Response

Request

Response


Mobile banking flow

Balance Inquiry: Bal inq <pwd> Fund Transfer: Trf <frm> <to> <amt> <pwd>

PBBHelp

Instruction List SMS: PBBHelp

Request

Response

Bill Pymt Digi Acct#0161234567 Amt:RM120.00

PBBBill Digi 120.00 123456

Request

Response

Bill Payments (pre-registered bill) SMS: PBBBill <bill code> <amount> <pwd>


Reload via Internet banking


Internet work flow

Log on into Bank’s website

Check and confirm purchase details

Select type of product category

Select/key in the following:

Account number

Product type & denomination

Hand phone number

Purchase amount

Process Flow - Reload via Internet Banking


Internet work flow

SAMPLE

PAGE


SAMPLE

PAGE

Internet work flow


SAMPLE

PAGE

Internet work flow


SAMPLE

PAGE

Internet work flow


SAMPLE

PAGE

Internet work flow


SAMPLE

PAGE

Internet work flow


Reload via ATM


ATM work flow

Prepaid Reload Request Check Book

Balance Enquiry Transfer

Withdrawal Deposit

ATM

Screen Flow


ATM work flow

Please select your account

Savings Current

Print Pin

Auto Reload

Please Choose mode of Reload

ATM

Screen Flow


ATM work flow

ATM

Screen Flow

HELLO

Phone Number : 0 1 6 2 0 1 7 8 8

Please key-in your phone number to

reload

Hello

Please Select Product

Metfome Smart


ATM work flow

ATM

Screen Flow

US$ 5 US$

10

Please select a denomination

Hand Phone # : 0 1 6 2 01 7 8 8

Telco : HELLO

US$ 1

Please confirm your purchase

Phone # : 0 1 6 2 01 7 8 8

Telco : HELLO

Amount : US$ 10

Ok Cancel


ATM work flow

ATM

Screen Flow Transaction Accepted

Thank-you for using Public Bank

Ok


Proven track record

Warning! This document is strictly private and confidential. This document is not intended for public circulation.

No Company Name Project Project Status

1 RHB Prepaid Reload via Internet Banking

and ATM

Live since 2003

2 CIMB Prepaid Reload via Internet

Banking, ATM and Mobile Banking

Live since October 2006

3 Bank Rakyat Prepaid Reload via Internet Banking Live since July 2008

4 EON Bank Prepaid Reload via Internet Banking Live since July 2008

5 Bank Simpanan

Nasional

Mobile Banking Live since September 2008

6 CitiBank Prepaid Reload via Mobile Banking Live since December 2008

7 Ambank Prepaid Reload via Internet Banking

and ATM

In the midst of integration. Will be

launched in November 2009

8 Affin Bank Prepaid Reload via Internet Banking Agreement signed. Pending to start

the integration.

9 MBF Card Prepaid Redemption via Internet Agreement signed. Pending to start

the integration.

www.mobilityone.com.my

thank you

Prepared by: Srong Channa

Documents

Prepaid reload services