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Value added services ATM, Internet banking, mobile banking

www.mobilityone.com.my

Prepared by: Srong Chann


 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

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Overview

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MobilityOne in brief 

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

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Products and services

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

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Business Partners (Distribution Channel) Chain Retailers

Financial Institutions

Multi-Level Marketing Company

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Service Providers ( MALAYSIA ) Telecommunications Providers Mobile Network Operators

Internet Providers

Event Organizer

Transportation Company

Other Services

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Service Providers Mobile Network Operators

Billers (bill payment providers)

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Bank value added services 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

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Connectivity Overview

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Connectivity Overview

Customer Care

Admin

Support

ATM Network

ATM Banking Host

Internet

Internet Banking Host (future) Core Banking Host Internet Transaction Mediation System (VAS)

Bank Secured Environment

Mobile Banking Host

SMS Gateway Telco SMSC

GSM Network

}

VPN

Alternate Banking Host

Misc Bill Payment Ticketing Prepaid (Service Provider Aggregator)

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Features and benefits of M1

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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.

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M1 features

 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

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Reload via SMS/Mobile banking

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Mobile banking interface option Interface Type Plain SMS

Sim Tool Kit (STK)

USSD

Advantages

Disadvantages

supported by all phone types

menu not available

commonly used by public

need to remember commands

does not require Telco support

affected by SMS congestion

menu driven interface

require Telco’s support

does not require to remember banking commands

consumer need to get updated SIM card

affected by SMS congestion

supported by all phone types

require Telco’s support

commonly used by public

need to remember initial command

menu driven interface

rare congestion issues

menu driven interface

Java applet customization for almost every phone

security built into Java app

not commonly used by public

does not require Telco support

costlier for general users as transaction based on data rate

WML

high interactivity

not supported by all phones

(GPRS, EDGE, 3G)

does not require Telco support

not commonly used by public

costlier for general users as transactions based on data rate

Java Applet

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Reload transaction via mobile phone

Process Flow – Prepaid Purchase via SMS Pre-register SMS purchases with Public Bank

Key in the following:  

Top-up instructions SMS code

Check and send SMS to MobilityOne SMS gateway

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Mobile banking flow

PBBInqBal 123456

Acct# 1234567890 Bal:RM 950.30

Balance Inquiry SMS: PBBInqBal <pwd> Request

PBBTrf sav cur 100.00 123456

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

Response

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

Response

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Mobile banking flow

PBBBill Digi 120.00 123456

Bill Pymt Digi Acct#0161234567 Amt:RM120.00

Request

Response

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

PBBHelp

Instruction List SMS: PBBHelp Request

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

Response

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Reload via Internet banking

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Internet work flow

Process Flow - Reload via Internet Banking Log on into Bank’s website

Select type of product category

Select/key in the following:  Account number  Product type & denomination  Hand phone number  Purchase amount

Check and confirm purchase details

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Internet work flow

SAMPLE PAGE

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Internet work flow

SAMPLE PAGE

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Internet work flow

SAMPLE PAGE

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Internet work flow

SAMPLE PAGE

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Internet work flow

SAMPLE PAGE

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Internet work flow

SAMPLE PAGE

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Reload via ATM

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ATM work flow

ATM Screen Flow

Deposit

Withdrawal

Transfer

Balance Enquiry

Request Check Book

Prepaid Reload

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ATM work flow

Please select your account

ATM Screen Flow

Savings

Current

Please Choose mode of Reload

Print Pin

Auto Reload

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ATM work flow Please key-in your phone number to reload

ATM Screen Flow Phone Number : 0 1 6 2 0 1 7 8 8

Please Select Product

Metfome

Smart HELLO

Hello

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ATM work flow

ATM Screen Flow

Please select a denomination Hand Phone # : 0 1 6 2 01 7 8 8 Telco : HELLO US$ 5 10

US$

US$ 1

Please confirm your purchase Phone # : 0 1 6 2 01 7 8 8 Telco : HELLO Amount : US$ 10

Cancel

Ok

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ATM work flow

ATM Screen Flow

Transaction Accepted Thank-you for using Public Bank

Ok

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

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thank you

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


Prepaid reload services