PayforIT. Guiom Peersman – MD Dialogue Communications Ltd November 2007

Who is Dialogue? Dialogue is a leading provider of interactive services for: Mobile entertainment Mobile marketing Mobile communities Mobile billing Corporate messaging Taking advantage of the knowledge gathered over the last 12 years Dialogue is also market leader in providing consulting and bespoke solutions to organisations. Mobile marketing Mobile entertainment Corporate messaging Mobile Billing Participation TV

Dialogue is a leading provider of interactive services for:

Mobile entertainment

Mobile marketing

Mobile communities

Mobile billing

Corporate messaging

Taking advantage of the knowledge gathered over the last 12 years Dialogue is also market leader in providing consulting and bespoke solutions to organisations.

Dialogue and payforIT. Started work on WAP billing 2 years ago Significant investment so far circa £200k Fully accredited and tested on all UK operators Launched first UK payforIT service in January 2007 payforIT compliant portals and content Storefronts

Started work on WAP billing 2 years ago

Significant investment so far circa £200k

Fully accredited and tested on all UK operators

Launched first UK payforIT service in January 2007

payforIT compliant portals and content Storefronts

PayforIT The features and benefits. Single Click Payment Purchase content inside the phone’s browser simply with a single click. Better user experience Subscriptions Clear user interface provided in the browser when registering for subscription services Branded Single brand supported by all Payment Service Providers Consistency Consistent front-end for mobile payment User Experience Consumer Confidence The payforIT standard offers a way to restore confidence in the market The payment either succeeds or fails – no partial billing

Where payforIT is today. Live in the UK, with 7 APIs – cross network Payments up to £5.00 max Flexible pricing Support for subscriptions Support for one off payments Constantly evolving framework WAP User Experience Direct to Bill payments Premium SMS PFI billing

Live in the UK, with

7 APIs – cross network

Payments up to £5.00 max

Flexible pricing

Support for subscriptions

Support for one off payments

Constantly evolving framework

PayforIT for Content Providers Benefits for Content Providers and how to connect

The Role of an Accredited Payment Intermediary. Connect to operator billing platforms Detect consumer MSISDN Provide payforIT payment pages Process Payments Manage subscription terms Collect and Pay money to merchant (CP) Accredited Payment Intermediary Merchant Mobile Operator Mobile Operator

PayforIT: How it works. Consumer browse the merchant site and selects products to purchase Consumer is redirected to the payment pages Consumer is charged Consumer is redirected back to the merchant site Consumer retrieves the content Merchant SOAP Consumer Payment pages Charge to account Browse and retrieve content Dialogue

Consumer browse the merchant site and selects products to purchase

Consumer is redirected to the payment pages

Consumer is charged

Consumer is redirected back to the merchant site

Consumer retrieves the content

PayforIT Off portal Billing. Browse Portal Select Buy option Re-direct to PSP Opt in Marketing Back to merchant site Opt in MSISDN passed to merchant

Technical details for implementation. Payment interface available as simple web service Compatible with all popular tool kits Perl SOAP::Lite PHP PEAR/Soap Java Apache SOAP .NET SOAP etc… WSDL available for rapid deployment Average 5 days for a live service

Payment interface available as simple web service

Compatible with all popular tool kits

Perl SOAP::Lite

PHP PEAR/Soap

Java Apache SOAP

.NET SOAP

etc…

WSDL available for rapid deployment

Average 5 days for a live service

Statistics on payforIT. Dialogue has seen a rise of up to 27% on conversion rate over premium SMS solutions for it’s connected customers It makes Google and Yahoo advertised services viable PSMS solutions that rely on the user verifying his/her MSISDN are not always viable and cumbersome 13% of users go to payment page and cancel Billing failures around 7% on average out of credit notified immediately

Dialogue has seen a rise of up to 27% on conversion rate over premium SMS solutions for it’s connected customers

It makes Google and Yahoo advertised services viable

PSMS solutions that rely on the user verifying his/her MSISDN are not always viable and cumbersome

13% of users go to payment page and cancel

Billing failures around 7% on average

out of credit notified immediately

Subscription services & payforIT

Subscription Services on payforIT. Subscription services set to return with payforIT PayforIT offers a consistent and trusted user experience for the 1 st time Leads to growing consumer confidence Great opportunity for CP’s to build new revenue streams Dialogue provides subscription services via payforIT since July 2007

Subscription services set to return with payforIT

PayforIT offers a consistent and trusted user experience for the 1 st time

Leads to growing consumer confidence

Great opportunity for CP’s to build new revenue streams

Dialogue provides subscription services via payforIT since July 2007

Subscription Services moved on. Subscriptions before payforIT: Difficulty for consumer to unsubscribe Poor pricing clarity and subscription terms Lack of consistency across services Subscriptions with payforIT: Consistent setup for all services Easy to manage for content providers Easy to unsubscribe Consumers know exactly how much and when they will be charged

Subscriptions before payforIT:

Difficulty for consumer to unsubscribe

Poor pricing clarity and subscription terms

Lack of consistency across services

Subscriptions with payforIT:

Consistent setup for all services

Easy to manage for content providers

Easy to unsubscribe

Consumers know exactly how much and when they will be charged

Future of payforIT Where we see payforIT going

Coming soon… Higher price points (up to £10) cross network Better revenue share Cross network WAP billing Consistent approach to marketing opt-in Use of payforIT to fulfil web transactions Use of payforIT on-portal

Higher price points (up to £10) cross network

Better revenue share

Cross network WAP billing

Consistent approach to marketing opt-in

Use of payforIT to fulfil web transactions

Use of payforIT on-portal