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Tagattitude presents building the relevant and ubiquitous digital money experience

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Isabelle Berner's presentation at Mobile Money Global conference in Dubai.

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Tagattitude presents building the relevant and ubiquitous digital money experience

  1. 1. Tagattitude’s Mobile Money Platform  Presented by Isabelle Berner, head of marketing  November 19, 2012 Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 1
  2. 2. About Tagattitude Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 2
  3. 3. Origins and Team Tagattitude is a French company founded in 2005 by Yves Eonnet & Herve Manceron  Yves Eonnet: Smart card industry expert. Served as the head of Innovation of Schlumberger’s smart- card division for 10 years.  Herve Manceron: Telecom industry expert. Serial entrepreneur specialized in telecom architectures. Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 3
  4. 4. Evolution of Financial Inclusion Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 4
  5. 5. The challenge Retail A requirement for enabling a cash-less society A puzzle to solve – particularly in the developing world  Clients = mostly feature phones, yet growing smartphone penetration  Merchants = many unbanked, most unequipped Challenge:  Clients: use what they already own, a cell phone  Merchants: use what they own or what they can afford… Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012 Page | 5
  6. 6. Merchant = Agent = Client Different role Different interest Different value A PAYMENT IS NOT A CASH-OUT A PAYMENT IS NOT A P2P TRANSFER … Payment transactions need: speed, anonymity, security Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012 Page | 6
  7. 7. How to transform any cellphone into a tool for making transactions?ClientAccount ? Merchant Account Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 7
  8. 8. Core innovation: NSDT™ Electronic signature technology compatible with 100% of the cell phones worldwide Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 8
  9. 9. Core innovation: NSDT™ 1st exchange: Transaction requested (Who’s paying? How much? PIN correct?) ----- authentication via NSDT™ ----- 2nd exchange: Result of the NSDT™ authentication sent to bank, and accounts are debited. Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 9
  10. 10. Technologies NSDT & NFC2.0 Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 10
  11. 11. Mobile Money Platform Mobile Money Innovative mobile money platform Turns any phone into a means of secure electronic transaction. Designed for emerging markets.  Usability  Security  Convenience Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 12
  12. 12. TagPay platform Client/ Merchant Agent Enterprise IVR TagPay SQL Database Online Internal E-Commerce SMS Fees Message Account spooler Management APIs E-Mail Transaction Engine POS Gateway Multi-Currency Back-Office Data Smartphone Applications External Mobile Authentication Module: NSDT™ Fees Admin Agent Client Merchant Web POS Web Applications Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 13
  13. 13. Main features and functionalities ADMINISTRATOR MERCHANT CLIENT• Multi admin management and activity trace—hierarchical administration • Accept payments from customers secured by NSDT™: • Enrollment and rights attribution to different classes of admin. o With a simple telephone (no application or hardware required)* o By calling an IVR• Classes of Service (COS) management for o With a dedicated mobile payment terminal (e.g. TagPay 1200/1600) o Via web enrollment page clients, merchants, agents, administrators, server, and fees: Enables a set (optional receipt printing)* o With an agent (COS permitting) of parameters including types of transactions, amount limits, etc. to be • Management of KYC (Know Your Customer - account management o With a dedicated web page acting as a terminal (e.tagpay)* grouped together and subsequently attributed to users. compliant with the regulation of central banks) o With a smartphone (iPhone, Android)*• Velocity checking/anti money laundering: transaction limits per COS and • Account management per period o With an integrated terminal (e.g. ingenico or other)* • Accept payments on the Internet • Dedicated (prepaid) account management (vouchers, gift cards, etc.)• Agent accounting: Agent’s deposit account used to make transactions with clients is managed by the designated admin. • Reload a client’s prepaid account • Functions accessible from the Web, IVR, smartphone app, or by • Visualization of the transaction log* SMS (depending on the function):• Merchant payment advances on payments received • Status of the amounts transacted to be paid out by the service o Money transfer:• Agent payment advances on commissions earned • Status of clients’ prepaid accounts with the merchant  Account to account• Management of enterprise account balance • Opening and closing of drawer sessions on a terminal*  Account to new account (with the automatic creation of the• Salary advances recipient’s account)• Management of Client’s ―Parent‖ agents • Multicurrency management*  Account to cash (the recipient can only retrieve the cash and• Billing company management via API • Interfaces language settings* does not use an account)• Configuration of the fees and commissions for each transaction • Multi-terminal*  Account to prepaid account with a merchant o Defined as a COS • Multi-employee (transaction access controlled by employee code)*  Transfer from prepaid account to prepaid account with the o Attributed to user COS same merchant o A+B(x) formula by default o Consultation of the account (transaction history & balance) o Use of API for external fee management AGENT o Management of the account (settings, preferences) o Possibility of setting fees by transaction threshold o Reloading of the account by credit card• Agent incentives management via Parent entity commissions o Registration of multiple mobile phones that can use the same• Platform COS management: default * in addition to starred merchant functionalities account (family, employees, etc.) parameters, currency, language, transfer types available, confirmation • Cash-in (accept client cash and load client’s account accordingly) • Payment on e-commerce websites secured by NSDT™ mode • Payment in a store secured by NSDT™ • Cash-out (withdraw funds from client account)• Confirmation mode configuration by threshold and by merchant COS • Cash-in/Cash-out (deposit and withdrawal) from account with an • Account to Cash transfer (send cash from a client’s account to a• Visualization, filtering, and export of the transaction log Agent secured by NSDT™ recipient who will receive it as a cash transfer)• Daily report of platform float balance and activities impacting it for central • Reloading a prepaid account with a merchant secured by NSDT™ • Cash-to-cash (send a cash transfer between two non-account holders) bank compliance • Send money (account to cash or cash to cash) via an agent secured • Client enrollment• Management merchants payout (invoice) by NSDT™ o Using terminal (e.TagPay or TagPay1200/1600)• Supervisor functionality for the operational management of client accounts o By distributing a unique enrollment URL to a client base• Account management: clients, enterprises, merchants, agents, administrators • Blocking of client’s account• Client KYC procedure implementation--verification by supervisor • Transactions are made and secured by NSDT™ (see available device list above)• Management of Client account states: APIS AVAILABLE initiates, pending, open, blocked, closed • Visualization of the Agent’s deposit account balance and limits• Transaction reversal • Status of the commissions account to be paid out by the service• Client, Merchant, and Agent password and passcode reset. • Debit/credit of an account• Multi-currency • Debit/credit of a prepaid account with a merchant• Multi-country ENTERPRISE • Merchant payment• Multi-language • Transaction verification• Platform activity reporting (accounting, Central Bank) • Fees and commissions• Database and log backups • Dedicated enterprise account web interface • Gateway mode (external back-office management of accounts)• Management of SMS/email alerts for specific ―sensitive‖ activity • Upload salary disbursement file • Terminal• Monitoring of SMS sent and received with possibility to resent SMS • Manual individual disbursements • PSP payment page (type PayBox, PayPal, Ogone…)• Trace and analysis tools • Disbursement to prepaid accounts with merchants (e.g. gas • NFC 2.0™• Centralized configuration and management of terminals card, restaurant tickets, etc.)• Remote terminal activation and allocation • View transaction history• Payment (PSP) page for e-commerce • Manage account settings: language, country, preferences *This functions list is a non-exhaustive list of the functionalities available in version 3.3 of the TagPay platform. The platform architecture is designed for security and adaptability in order to meet the requirements of a diverse range of environments and services. Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012 Page | 14
  14. 14. Evolution of Financial Inclusion Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 15
  15. 15. Client side Dual approach Feature phones: just a call Smart phones: load the app, then tap and pay Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012 Page | 16
  16. 16. Merchant side Multiple channels Simple and low cost merchant enablement Terminals designed for developing markets. What can be a terminal? Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 17
  17. 17. Ubiquitous usage Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 18
  18. 18. Projects around the world Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 20
  19. 19. Take Away Points Mobile Money is evolving and being able to pay with your phone is crucial to enabling cashless Paying in stores is fundamentally different from P2P or agent services Retail transactions must be secure, convenient, universal, and inexpensive NSDT & NFC2.0 are one of the few technologies that meets these requirements today Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 21
  20. 20. Questions Thank you. For more information & demos visit Tagattitude’s website: www.tagattitude.fr Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012Page | 22

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