This document provides an overview of the txtMoney product and its key features. It includes a table of contents that lists sections on the product overview, technology foundation, system solutions, and advantages. The document describes how txtMoney enables money transfer and payment services via text messaging between any two mobile phones globally. It also outlines how the technology foundation includes integration with SMS gateways and banking systems to enable global money transfers and settlement. The system can be implemented as a white label solution for financial institutions.

2. Table of Contents
1 txt oney – Product Overview
2 Technology Foundation
3 System Solutions
4 Advantages
© 2009 txtmoney.net

3. 1 2 3 4
Product Overview

4. txt oney is a branded service designed to offer a host of money
services via the use of text messaging (SMS)
© 2009 txtmoney.net

5. money transfer
by SMS
© 2009 txtmoney.net

6. txt oney enables transactions between any two mobile phones,
regardless of location or mobile network. Linked in to global
banking networks, it can instantly transfer funds across the globe
money anywhere
international remittances
© 2009 txtmoney.net

7. C to C services
mobile wallet
In the same way as it handles international money transfers, txt oney
can remit money between any two persons with a mobile phone
SMS: “You received $35 from +3976543232”
SMS: “Cash $35 to +396372839”
© 2009 txtmoney.net

8. txt oney also allows for easy, secure, and instant payment
services. Which makes it an ideal payment option for the purchase
of tickets to sports events, concerts, and theater performances
payment services
shopping on the go, made easy
© 2009 txtmoney.net

9. interactive services
by SMS
txt oney enables traditional media and on-line services (betting,
ticket sales, adult subscription sites) new payment alternatives as
well as the ability to create interactive sales channels for additional
revenue
© 2009 txtmoney.net

10. 1
2
3
4
Technology Foundation

11. global network
via SMS gateways
Default pre-setting for the API of several world-wide SMS gateways
such as leaders End2endmobile and
Clickatell
ensuring global
system coverage
© 2009 txtmoney.net

12. txt oney is accessible and managed via remote
www access. Customers can manage their
accounts and get an instant overview of
their activity.
Likewise, the system administrator can
fully control the system remotely via
www access
www access
by browser, WAP, and SMS
© 2009 txtmoney.net

13. bank compliant
settlement system
txt oney’s bank API complies with the UN/EDIFACT standards
ensuring the settlement system to communicate properly
with most advanced home
banking systems
© 2009 txtmoney.net

14. txt oney’s system is pre-set to work with the API of
advanced credit card processors. Allowing it to work
with all credit card systems in the world without
limitations.
active communication
with global credit card systems
© 2009 txtmoney.net

15. 1
2
3
4
System Solutions

16. white label
turnkey solutions
txt oney can be setup as a fully customizable turnkey white-label
solution for financial institutions to offer mobile services to its
customers
© 2009 txtmoney.net

17. front end
system characteristics
o integrated and tested SMS gateway including MO and MT testing
o working internet website with SMS based money transfer system
o integrated and tested banking interface
o country specific SMS gateway number
o complete testing and implementation
o all inclusive infrastructure setup
o local currency implementation
o international number access
o language implementation
© 2009 txtmoney.net

18. o local legal and financial compliance certification
o tutorial of all system functionalities including opportunities
and limitations
o standard agreements such as merchant agreements, media
agreements, reseller agreements, etc.
o complete email and CRM system for handling leads,
opportunities and marketing efforts
o reasonable education of sales staff
o own identity book
back end
product deliverables
© 2009 txtmoney.net

19. txt oney is also setup as an independent brand to function
through its own distributor network (supermarkets, independent
MTOs and others) in several key remittance markets
send it by phone
© 2009 txtmoney.net

20. 1
2
3
4
Advantages

21. © 2009 txtmoney.net

22. © 2009 txtmoney.net

23. + = 2
© 2009 txtmoney.net

24. © 2009 txtmoney.net

25. Eduardo Celis Rojo
Market Development
txtMoney.net
+4523446160
ec@txtmoney.net
© 2009 txtmoney.net