Margento overview

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Margento
Overview

© 2009 Margento B.V., Netherlands.
WWW.MARGENTO.COM CONFIDENTIAL INFORMATION

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Margento – delivering the future of mobile
transactions solutions NOW
Mobile phones are the most common electronic device in the world – 7 billion+ phones.

With Margento the mobile phone becomes all-in-one instrument, enabling
consumers to
collect and redeem bonus points,
pay for products and services,
top up the balance on pre-paid phone accounts,
redeem coupons,
send and receive funds,
use mobile tickets, and
buy and send electronic gifts

Margento improves consumer purchase experiance,
security, and reduce costs

Majority of transactions are still not electronic
Most population is still unbanked
Cash still dominates consumer payments

Margento has potential to overcome the barriers in enabling mobile phone to
become the major device and means for consumer payments.

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Margento is comprised of
SCENE

Margento Solutions
 The richest portfolio of powerful
mobile transaction solutions based
on a single platform.

Margento is comprised of

Margento Technology
 Patented Data Over Voice
technology
 Complete line of POS terminals
 Margento Mobile Transactions
Platform


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Margento Solutions

Mobile Mobile Bonus & Mobile Mobile Mobile Mobile ICPS
Payments Recharge Loyalty Coupons Gifts Tickets Remittanc
e


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Margento Technology

POS Terminals Margento Platform

Complete line of POS terminals Margento Mobile Transactions
Platform
Reliable & versatile identification
and communication equipment Proven & flexible end-to-end software

Data Over Voice / Near Field Communication

Patented Data Over Voice technology

Unique & innovative technology that makes Margento special


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Margento Platform


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Under the hood...
Margento’s nPOS terminal is used for all kinds of proximity
transactions.
Terminal specifications:
• NFC reader Microphone
• DOV enabled for DOV
• Certifications
• EMVCo, EMV Contactless lvl 1
• EMVCo, EMV Contactless lvl 2
• ISO14443 A/Mifare in B, Felica
• Mobile NFC
• GUI Elements Contactles
• LED indicator reader
• Graphical LCD display for NFC
• Available 3rd Party Connectivity
• 2 USB connections
• 1 Ethernet connection
• 1 RS-232 connection

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Margento for all retail location types
Automated Mobile Traditional
Internet merchants
Points of Sale Points of sale Points of sale

• Vending machines • Restaurants, Bars • Classic retail shops • Webstores
• Parking meters • Home delivery (z.B. • Pharmacies • Pizza delivery
• Amusement (video, Pizza) • Convenience stores
gaming) • News stand/Kiosk • Supermarkets
• Ticket machines • Ticketing (e.g. ticket • Petrol Stations
(bus, train) window)
• Car wash • Taxi


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Margento DOV technology
Margento uses the voice channel of a mobile phone to transfer different types of transactional data
from a point of sale (Margento Terminal) to authorization facility for approval of payment or transaction.

Speech Speech

Mobile Mobile
Person 1 phone Mobile operator phone Person 2

Point of sale Transmission data over the
voice channel system GSM

Voice
modulated
data signal

Margento Mobile
Margento center
terminal phone Mobile operator

Margento technology is patented; PCT patent is published under Int.pub.num WO 02/33889


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Margento the most customer-friendly solution

Works with every existing mobile phone

Anybody who can make a call, can use Margento

No software download on phone
necessarry; no phone hardware change
needed
Business solution independent of MNO,
and phone manufacturer

Secure: Mobile does not store user- or account data
(name, account, PIN, etc.)

User- and account data is not disclosed to the merchant

Compatible with all existing & future phones


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Margento Technology has evolved; additional
terminals developed...

Start early 2000’


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Margento Intellectual Property

• Margento is a registered Trademark
• Margento has filled numerous patent applications, including patent for
Margento DOV technology has already been granted in more than 50
countries:
• "System for payment data exchange and payment terminal device used therein" filed under
PCT international application number PCT/IB2000/001495, publication number
WO/2002/033669 .
• »Payment terminal device for payment data exchange« filed under PCT international
application number PCT/IB2002/001223, publication number WO/2003/088165 .


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Margento is ready today!
READY
FOR
7 billion+
phones
globally

2009 MARGENTO DOV technology


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Margento Procedures and
Examples of Use


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Payment steps (mPOS)

MERCHANT USER

Enter Amount Transaction
Enter PIN
50 €
**** 180

Printing

PIN optional, up to
Issuer of the
account


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Margento Top Up (Voucher with Code, GPRS)

CUSTOMER RETAILER CUSTOMER

Enter Amount Enter Amount
50 € Recharge 50 € 1234
12 € Sending

Printing

Customer pays the retailer Retailer enters Amount, Terminal sends Voucher with Customer uses Voucher
for the desired amount of or predefined request for Code is printed. to TopUp the prepaid
airtime. denomination of TopUp TopUp to MNO. account.
into Margento terminal


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Margento Automatic Top Up

CUSTOMER RETAILER CUSTOMER

Margento Terminal
prints out two
transaction receipts, for
customer and retailer
while the customer’s
prepaid account is
automatically credited.

Enter Amount Recharge
Transaction
50 € 12 €
180

Printing

Customer pays the retailer Retailer enters Amount Customer dials the Customer places the
for the desired amount of Margento access phone against the
airtime. number. Terminal and waits until
(In case customer wants transaction is finished.
to recharge 3rd party
mobile phone - number
is entered)

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Collect points/bonus via Mobile

CUSTOMER

Transaction

180

Customer makes a Customer dials the Purchase date is
purchase (Cash, Margento Center collected and
Plastic, ...) (authorisation registered in the
facility) & taps the bonus & loyalty
Terminal. program


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NFC
enabled
smartphone

Smartphone
with our DOV

App
installed

Regular **123
Classic
phone

1. Step 2. Step 3. Step 4. Step
Initialize transaction by Tap phone against Specify the Receive
either: the Terminal. coupon to be redemption
•Enabling NFC redeemed. receipt.
•Starting Margento App
•Dialing the short No.

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Overview: Security
• Data encryption (like SSL) based on Elliptic Curve Cryptography (ECC) for communication
Secure between terminal and Center
communication • IPsec VPN tunnels and secure dedicated "leased lines" for communication between the
components of Margento Center , and other 3rd party platforms

• All transactions are processed in real-time
On-line • Each transaction is based on white / black lists review
Authorisation • Enables centralized management of credit limit

User • User identification via SIM (MSISDN), user authentication via PIN
authentication • SIM card is difficult to clone, cloned SIM can not coexist to the original SIM in the mobile network

• PIN Encrypted by standardized algorithms:
End-to-end • DES (ANSI X3.92, X9.24), 3DES (ANSI X9.52), ECDSA (ANSI X9.62); ECDH (ANSI X9.62)
encryption
• PIN at the terminal is never associated with payment account details

• Merchant authentication based on PKI
Merchant • Terminal is is identified thru a unique preloaded terminal ID (TID)
Authentication • Two Ways PKI-based authentication during "secure session setup": identity of the terminal is
verified by Margento Center; Margento Center identiity is verified


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Margento Live


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• 2 Mio. inhabitants

• 750.000 users a >40% of the population

• 10.000 POS are equipped with terminals

• 1.5 Mio. payment transactions per month

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A u to ma te d P O S  
MNO

Ban
C la s s ic P O S   k
MNO

Bank
N e tw o rk

WE B s to re  
MNO

c e nte r 

Is s u e r
P roc e s s


s 

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Apparel Group:

• Start in May 2010 with 36 brands

• Over 600.000 registered customers
from 190+ countries

• Bonuses can be collected and
redeemed in +330 retail shops
26

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• Mobily customers can redeem points collected through
airtime usage.

• Points can be redeemed at 10.000 POS for instance
at mall stores like Replay, Guess, supermarkets etc.

• Number of transactions per month including Loyalty,
Bill Payment and Prepaid Recharge TXNs app. 14
mio.

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No. of Active Terminals:
• 1400+
No. of Restaurants in the
Network:
• 1000+
Number of Registered Users:
• 120 000+

Main benefits of the system are:
•elimination of paper vouchers, along with all the trouble
related to acquiring them
•increased visibility and transparency over the use of
vouchers
•online checking of used and remaining
© 2009 Margento B.V., Netherlands. vouchers

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The System in Numbers:
• entire public transit fleet of several hundred vehicles entirely
equipped with vPOS terminals
• close to 200 mPOS equipped points-of-sale offering contactless
card recharge
• 40 highly-capable Self-Service Kiosks conveniently placed within
the city perimeter
• over 140 TaPOS equipped parking machines, enabling both card
and mobile phone payments

Key Statistics
•close to 400 000 Urbana cards
in use
•in excess of 100.000 daily
validations
•close to 60 million transactions
•processed annually


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Live Show Case
Shops, Filling Stations & Convenience stores

Prepaid Aufladung bei T-Mobile


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Promotion
Printed Advertisements


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Thank you


Margento overview

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