Payment Use Case presentation of the MDK Messenger. Mobile application possibilities for companies. Mobile payment trends. MDK Introduction, Technical Background.

1. Personalized
Payments
October 2015
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2. Messaging apps outgrow the mobile and the online
payment market.
2 *Combined #user of: Whatsapp, FB Messenger, WeChat, Skype,
Snapchat, Viber, Line, Kakaotalk
** PayPal transaction volume
100%
138%
193%
240%
273%
100% 118%
141%
163%
190%
100%
121%
129%
150%
154%
Jul 13 Jan 14 Jul 14 Jan 15 Jul 15
Messaging MAU* Online Payment Volume** Mobile Payment Volume

3. Mobile payments enable higher engagement and better
monetization for online and mobile.
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• Mobile payment CAGR 52% ’10-’15
• Highly competitive & clustered
• P2P increasingly complementing B2C
usage
• Concerns about security with mobile
wallets and payment
Current mobile payment market The scope of things to come
Develop a payment infrastructure with interactive messaging
features
• Whatsapp, Facebook and more enter
mobile transaction market
• Contextual purchase recommendations
& payment processing
• Increased variety of payment options,
timing and features

4. 4
• In-store payments with NFC/QR - facilitate reward
program introduction and customer interaction
• Online-delivery options that include mobile ordering,
payment, tracking and support
Retail businesses increase
customer engagement
Popular apps expanding
their scope of business
B2B firms allowing for
mobile procurement
• Messaging apps, hoping to diversify their business
models
• Gaming apps, searching for smoother transaction
experience to increase purchase frequencies
• Corporations, wanting to offer an integrated marketing,
sales and post-purchase processing experience on
mobile devices
• Companies, looking for a mobile extension of their online
set-up
Seamless integration and perceived customer value
create mobile payment success.

5. Our vision – Supply the infrastructure for secure,
context-based payments in a mobile setting.
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How to secure mobile
transactions with more than
a password?
How to increase customer
engagement and therefore
sales potential?
How to set up a reliable
infrastructure for integrated
payments?
White Label Messenger
Secure
encryption
Built for
enterprises
GPS
locations &
Geo-Fencing
Performance
by design

6. Exclusively designed for large
organizations, covering a vast
feature bandwith while
providing an open platform.
Introducing MDK: a white label messaging infrastructure
for payment & context rich applications.
Highly scalable infrastructure,
capable of absorbing any
growth needs and designed to
seamlessly integrate with third
party services.
High quality data throughput
and storage infrastructure,
minimizing data loss and
supplying on-the-go hosting
scenarios.
All communication and data is
encrypted and hosted, using
industry security standards, to
prevent privacy and data breaches.
Emphasis on geolocation services
to allow for unique application
scenarios in the geofencing
context.
Process payments and support
mobile transactions through third
party payment wallets, such as
Google Wallet or PayPal.
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7. Possible Use Case: P2P payments –
connecting families, friends and strangers.
 Split the restaurant bill & pay
your friends back using MDK.
 Upload the receipt and use the
messaging functionality if
somebody forgot their order
 Invite all your MDK contacts
to buy the same item/service to
receive group discounts
 Share exciting deals and
coordinate your friends quickly.
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 Allow exchange of in-game
currency for items, boosts and
perks from other players.
 Monetize each transaction
based on a handling-fee
 Allows players to stay in touch,
share the loot and coordinate
valuable in-game gear
 Creates community feeling and
increases play duration
 International money transfers
simplified and enriched
through communication
 Transfer funds to your family at
home or abroad to your children,
while chatting and exchanging
pictures
 MDK streamlines this payment
process chain into one app
Context Embedded Payments
Social Payments In-Game Transactions Cross Border Transfers

8. Possible Use Case: Utilize mobile payments to capture
impulse purchases.
Situation
 Large networks / groups
 High willingness to pay
 Initial non-smartphone contact
 Action – reaction time gap
 Lack of transparency
 Meager conversion rates
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Push
Notifications
Activity
Awareness
QR-Code Shopping
 Discover new products
anywhere and scan the code,
 Receive information per text,
voice, video
 Purchase product instantly or
later on through the app
Biometric
Authentication
Mobile
Payments
Donations
 Supplement (charity) events
with a personalized app
 Video streams, push
notifications and open call lines
available
 Allow encrypted payments
using MDK’s infrastructure

9. MDKs feature set is to provide opportunities to build
messaging platforms and allow third party integration.
Messaging
Send text, audio, picture and video
messages to single contacts or groups.
User Profiles
Provide complete user profiles,
including customisable themes and
third party social media integration.
Location Services
Share specific location data and geo-
tag messages by activating the
location services functionality.
Content & Data Storage
Securley upload, store & send content
within the MDK infrastructure or
through third party services.
Authentification & Verification
Secured user authentication via
validated phone numbers or social
media profiles.
Notifications
Push notifications for messages and
events to specific contacts or groups.
VOIP
Transmit voice data and set up
mailboxes for missed calls.
Third Party Services
Integrate third party content platforms,
such as YouTube and allow sharing of
internal data to outside web properties.
Events
Create and manage events for private
and public audiences.
Polls & Reminders
Allow the creation, sharing and
exporting of context based polls and
reminders.
Streaming & Conferencing
Stream video and voice live to follower
audiences or within a private and
secure environment.
Location Search & Discovery
Implement any number of location
based search and discovery features.
Payments
Send and receive money through third
party payment wallets, such as Google
Wallet or PayPal.
Content Platforms
Build a content platform and
marketplace, to allow the exchange of
user generated content.
Voice Recognition
Transform audio into text.
Follower Chats
Enhanced administrative capabilities
for VIPs, themes and events.
Analytics
Advanced user administration and
analytic capabilities.
Translation Services
Enhance your communication
capabilities with translation from
services such as Google Translate.
CoreFeaturesLogisticsFeaturesExtendedFeatures
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10. The MDK architecture – Providing a full stack payment
environment solution.
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2
3
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2. MESSAGING BACKEND
Highly available server cluster
3. SERVER INFRASTRUCTURE
Lightweight communication
protocol based on MQTT
1. MESSAGING PROTOCOL
Client integration via APIs
and cross platform SDKs
4. CLIENT INTEGRATION
Highly scalable messaging
application server
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11. The MDK architecture is flexible and designed to
integrate third-party sources and content providers.
MDK Services
Databases
Location
Services
Third-Party Services & Content
Providers
Cloud based On-premise
MessagingPayments
Authenti-
fication
Notifications ...
Analytics Administrative Services
MQTT / HTTP API
MQTT/HTTPAPI
MultiChannelMessaging
Payment
Recipients
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12. MDK Labs was launched with the help of its partners in early
2015 and currently operates 3 offices in Russia, Germany
and the United States.
Technology Provider
Based in San Diego, CA, Tourmaline
Labs provides technical know-how and its
patented ContextKit technology.
Partners
Mastertel and 3data are Russia based
high-tech telecommunications and
hosting providers.
Incorporated in 2015 in Berlin and
currently ramping up the development
and early sales activities, MDK Labs is
set out to enhance communication and
productivity on a global scale through its
technology.
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13. US Office
101 West Broadway, Suite 110,
9101 San Diego, California, USA
German Office
Borsigstraße 9
10115 Berlin, Germany
MDK Labs GmbH
Kilian Thalhammer
Email: kilian.thalhammer@mdk.io
Phone: +49 160 47 84995
Russian Office
Sheremetyevskaya 6 bld. 1
129594 Moscow, Russia
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