Mobile Wallet Platform 2015

Mobile Wallet Platform
Partner Presentation, October 2015
www.mwallet.pro
mWallet

Solution
Mobile Wallet:
• A mobile platform turning a
smartphone into a powerful
payment and loyalty tool
• Peer-to-peer transfers
• Simple one-click payments
• Easy and secure authorization
Simple and secure www.mwallet.pro

Mobile Wallet Functionality (1/2)
Simple authentication & authorization
One-time passwords (OTP)
used to log-in
All-in-one
All profiles in a single mobile device
Mobile Wallet
Payment data storage, unlimited pa
yments and transfers
Pay by QR code
QR codes used for payments
Payment cards linked to an account
Visa, MasterCard, AmEx
Invoices
Get bills and invoices and pay for goods
and services instantly
P2P transfers
Money transfers between users (card to
card) via card # or cell phone #
Offline payments
Payments for goods and services
(QR/NFC/HCE)

Mobile Wallet Functionality (2/2)
E-policies
Insurance online
Loans
Personal lending programs
Information (merchant news, currency
exchange rates, etc)
QR code generation
QR codes used to log-in
Discounts and promotions
One-stop-shop for discounts and pro
motions from favourite brands
Ticketing
Mobile payments for transportation
tickets and tickets for events
Adding funds to mWallet
Wide choice of mWallet replenishment
tools (including cards and e-money)
Mobile acquiring
API for merchants to get payments by
QR-codes
Consolidation of loyalty programs
All loyalty cards in one place

How to add money to a wallet
A mWallet owner can
connect any bank card to
their wallet by indicating
the card details.
A number of cards that can
be connected to mWallet,
is unlimited.

P2P Money Transfers (via mobile app)
A mWallet owner can
transfer money to
another person using
recipient’s either
payment card number
of cell phone number as
an identifier.
If the user chooses
phone number as a
recipient’s ID, he can
browse his contact list to
select a transfer
recipient.

P2P Money Transfers (via website)
A mWallet owner can also transfer money to another person via website. To receive money,
the recipient should indicate her cell phone # and card number.
Send p2p transfer
Card # Phone #
Number of recipient’s bank card
Not required
Transfer
Receive p2p transfer

Transfer between e-wallets
A mWallet owner can transfer money
from his electronic wallet to another e-
wallet user using recipient’s cell phone
number as an identifier.
All he has to do is to select a recipient
from his cell phone contacts, enter a
transfer amount and add a note, for
example “Addison’s contribution to the
Marley’s birthday gift”.

Merchant tools – how to receive payments (1/2)
Card # Phone #
Number of recipient’s bank card
Not required
To receive money, for
example, as payment for
goods or services, or as a
donation, you can
generate a QR code at the
website, indicating your
card number or mobile
phone, payment or transfer
amount and, optionally, a
payment note.

Merchant tools – how to receive payments (2/2)
The payer can scan a QR
code via his mobile app,
the item or service, price
and description are
uploaded automatically.
The payment is credited to
the recipients card he
indicated wile creating a
QR code.
Copied to the clipboard
Test item
Test payment

Offer for your business
We are happy to offer you to launch
Mobile Wallet under Your Brand and Visual
(full White Label):
• quickly - within 1-2 month*,
• complete set of basic functions,
• professional technical support,
• flexible platform with huge opportunities
for further development.
* Integration with the service providers may require additional time.

Mobile Wallet for Customers: Use Cases
Simple and secure
SmartTV payments
Quick mobile
payments: Mobile
commerce, online
games, content
Catalogue
Shopping using QR
codes
Buying from the
packing: your friends
can buy the same item
without visiting a store
Offline payments in
local stores, cafes
and restaurants
QR code for cash-
back
1 2 3
4 5 6
www.mwallet.pro

Smart TV payments (1/2)
Simple one-click
payments for TV
content
Purchase of music
content
Voting in the talent-show in
one click, without calling or
texting
1

Smart TV payments (2/2)
Instant purchase of goods advertised on TV
Impulsive purchases made easy - if a user likes an
advertised item, he scans the qr-code on a TV screen with
his mobile phone. The merchant receives the information
about the item, customer data, transaction and shipping
address.
Easy and seamless TV shopping
Quick, easy and secure shopping without getting up from
the couch. Watch your favourite shopping channel and
purchase the item you like in a single click, no calls
necessary.
1

Quick mobile payments
Log in, registration and payment in
mobile applications or websites in a
single click without entering a
password.
Paid
content
2
Mobile
shopping
Online
games

Catalogue Shopping
The merchant
receives the
information about
the item, customer
data, transaction
and shipping
address.
Users can make
purchases via
shopping catalogues
using their mobile
devices.
3

Offline payments for goods and services
mWallet can be used for
payments for goods and
services in stores, cafes,
restaurants, taxies, etc.
Customers don’t have to
care about carrying cash or
cards. Payments are simple,
secure and time-saving like
never before.
4

Offline mobile payments with NFC
Simple and secure
Convenient & secure digital values management and secure NFC-
transactions made easy with your mobile device.
mWallet NFC platform:
- made to replace plastic cards with their digital analogues.
- in line with the EMVCo tokenization specifications and Visa & MasterCard.
- based on the HSE (Host Card Emulation) technology (supported by
Android OS).
- NFC Card emulation mode enables NFC-enabled devices such as
smartphones to act like smart cards, allowing users to perform
transactions such as payment or ticketing.
- NFC can be well adapted for all kinds of situations ranging from bank
cards to transit passes, movie passes, reward systems and even keys.
- Storing payment information in mWallet app provides a safer environment
than a physical wallet. This technology allows the customer to load
multiple cards and choose which one they wish to use for each
transaction. Not only does this save time, but it also reduces the chances
of losing a payment card that comes with carrying multiple cards around.
www.mwallet.pro
4

mWallet for cashback
Customers can benefit
from the cash-back loyalty
programs offered by
producers or merchants.
To receive a cash back for
their purchase all they
have to do is show the QR
code to the teller.
5

Packing that sells6
Want to buy the same item as
your friend had purchased?
No need to surf the web stores
and to enter your payment
details. All you have to do is scan
a QR code on a product
packing.
The price and availability will be
checked automatically, and the
merchant will ship you a desired
product right away.

mWallet for producers
Loyalty program for your customers that helps you to build the trusting
relationship and to reward the customers for choosing your products
• A customer purchases your product, finds a
QR code on a packaging, scans it with his or
her mobile phone and receives cash back to
the mobile wallet.
• Unique codes, available for checking via
mWallet, ensure your customers that they’re
purchasing genuine products.
• Gamified cash back rewards encourage the
customers to choose your brand again and
again.

mWallet for service companies
• Easy billing and payments (bills are sent via push-message to a
customers smartphone and can be paid in a single click, no
mobile app login is necessary)
• Insurance policy sales in instalments
• E-policy in a form of QR code containing all the necessary data
(agreement #, type, terms, etc.)
• Mobile application for customers to make insurance payments,
to receive insurance indemnity, to acquire new products and to
participate in special offers
• Custom-branded prepaid MasterCard payment card
• Customized loyalty program
• Customer and transaction analytics
mWallet features for service providers:
Scan the QR code

mWallet for company
• Branded mobile application for company to keep
your customers informed about your promotions,
discounts and news and to maintain long-term
relationships with your brand supporters.
• Mobile application allows users to manage their
money and cash-back points balance and to
purchase products in one click using only their
mobile phone.
• Prepaid card linked to a customer mWallet account
to make payments, to get cash-back and to
participate in promotions.
• Customized loyalty program.
• Customer and transaction analytics.
Your Brand

Thank you for your attention!
Ask us about details.
mWallet
Simple and secure
Mikhail Miroshnichenko
Kiev, Ukraine
Email: mikhail@finovatestudio.com
+380.68.331.95.03
http://ua.linkedin.com/in/michaelmir/
Yuriy Chayka
Kiev, Ukraine
Email: yuriy@finovatestudio.com
+38.067.621.57.13
https://ua.linkedin.com/in/yuriychayka
www.mwallet.pro

Mobile Wallet Platform 2015

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