The document describes Monolex Telecom's mobile commerce enablement suite, which includes MTEL CASH and the Mobile Commerce Network (MCN) to allow clients to offer mobile payment and money transfer services. The suite provides a turnkey solution including a hosted platform, integration with multiple processors, and private label mobile apps and portals. The goal is to create interoperability for mobile payments worldwide through the MCN clearinghouse network.

1. Mobile Commerce
Enablement Suite

2. Core Suite of Services
MTEL CASH
Mission: To enable its clients to offer their consumers
solutions where they can manage their money and
purchases via their mobile phone.
Potential Clients: Large Retail Brands, service providers,
Banks, Money Transmitter / Exchange Companies,
Wireless Carriers, and Social Networking Groups
MCN- (Mobile Commerce Network)
Mission: Creates a clearinghouse network that
any existing payment technology can integrate
with to enable the clearing of money between
varying technologies creating a complete
interoperability for world wide money transmission.
MCN Potential Clients: Central Banks, Banks,
Money Transmitter / Exchange Companies,
Wireless Carriers, Social Networking Groups, and
Other Financial Institutions.
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3. Company at a glance
Our vision was 100% Turnkey ASP Hosted Solution
to architect and (Acquisition, Billing, Care, and Program Management)
build a mobile
commerce Convergent Billing and Rating Services:
enablement suite (Cellular, Internet, Local, Long Distance, Cable, & Mobile
that could act as Commerce)
an enabling /
clearing house Multiple Processor Integrations
engine for mobile (Have integrated with multiple US based processors)
commerce
companies world Prepaid / Post Paid / Multi Level Marketing Billing and
wide. Rating Support
Paris W. Holt
Technology
Co-Founder
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4. Why choose MTEL CASH technology suite
Multiple service capabilities (cellular, Internet, VOIP, Cable, & banking)
Powerful front end PRIVATE LABEL portals / apps
Complete customization available
100% turnkey solution with full supplier integrations
Complete billing flexibility (Prepaid / Post Paid / Hybrid)
99.999% uptime guarantee
Rich data strategy (data application)
Multi level marketing billing / commissioning support
Complete payment gateways (B2B & B2C)
AFIDS (Anti Fraud and Intrusion Detection System)
Open architecture using .NET SOAP XML interfaces
Low cost and quick speed to market options
Flexible management portals to manage business
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5. ASP Hosted Software Solution
Existing Banks / Mobile
Customer:
Payment Technologies
We architected
Fulfillment Mgmt Systems: PCI 1.2 Compliance Suite:
mCASH Systems
this technology
Supplier Queue Processors: Administrative Portals:
to securely jump
Client: .NET APIs: Genealogy / Commissioning:
start virtually any
Your
company in any Brand
Reporting Module: Dealer / Distribution Portal:
industry into Billing & Rating Engine: CRM- Customer Service:
entering the Billing QA / Rev Assurance: Point of Sale Activation:
mobile AFIDS Module: Data Application:
commerce /
mobile payments
space. B2C ILD Suppliers: Product Delivery: 3rd Party Fulfillment: Taxation:
Supply Chain
Ryan Reed Date App Customization: B2C Bill Presentment: Cash Loads: Business ACH:
Technology
Co-Founder MVNO / MVNE Services Credit Check: B2C Check/Savings: Debit Card Processing:
B2C IVR: Customer Service: B2C Credit Card: page 4
KYC ID Verification:
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6. Back Office Infrastructure
Processors
Unsurpassed technology
integration heritage
Billing System code has been
in development for over 12
years and contains millions of
lines of code encompassing
over 25,000 files, and 2,500
database objects
Integration with over 20 global
suppliers and hundreds of
banks including the majority of
all US banks.
Supports Client Integrations
using ISO 8583 or .NET web
services
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7. .NET APIs
Over 120 secure .NET
SOAP XML APIs which
allows clients to use an
existing legacy system
or create their own
platform. APIs include:
1. Customer
Provisioning
2. Customer Service
3. Pending Payment
Mobile Commerce
Suite
4. System also has full
debit card
processing /
management APIs
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8. Client Administrative / Management Portal
1. Reporting / MIS
2. Manage customers
and trouble tickets
3. Manage user access
and security
4. Monitor processor
transaction
processing
5. Create and manage
genealogy and
distribution
commissioning
6. Client / Distribution
support
7. MVNO service
support
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9. Server Configuration and Security Architecture
5 Layered Security
Infrastructure
1) Carriers secure data
network
2) AES 256 SSL encryption
protocols within SSL
layer
3) proprietary security code
handshake
4) proprietary data storage
and retrieval processes.
5) proprietary AFIDS (Anti
Fraud and Intrusion
Detection System)
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10. AFIDS Module (Anti Fraud and Intrusion Detection System)
1. Extremely
Proprietary module
used to protect
against system
penetration as well
as internal fraud
2. Involves AI type
programming that
allows the system
to self monitor and
actually evolve
using sophisticated
layers of intuitive
reporting and self
monitoring and self
adjustment
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11. iPOS- Internet Point of Sale
1. Private Label
2. Can completely
customize look
and feel
3. Multi Lingual
4. .NET infrastructure
5. APIs available so
client use existing
system
6. Completely
integrated and
automated with
debit card
processor as well
as identity
verification.
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12. CRM- Customer Member Services
1. Customer
Information
2. Password / PIN
mgmt.
3. Create Payment
methods
4. Send money
5. Load money
6. Schedule loads and
payments
7. Transaction history
8. Secure
9. Multi Lingual
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13. Mobile Application Feature Set
Core functionality:
Money movement
Transaction history
Balance
Load funds
Mobile Wallet (pending
payments) mCommunications
Private Label to Client s Brand
User-friendly
Compatible with any carrier world wide
and 85%+ of all cellular phone models in
marketplace
Available in 10 Languages and easy
integration of additional languages
Completely Customizable to client to add
additional functionality
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14. Private Label Mobile App Functionality Suite
1. Get Balance and
Transaction history
2. Domestic and
International money
movement
4. Mobile Wallet
(pending payments)
5. Load funds onto
system via credit
card, checking /
savings, and cash
6. Move money off
system via checking
and savings, ATM,
Visa / MasterCard
7. Works on 90% of all
phones around the
world
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15. Mobile Wallet / Pending Payments Suite
Customer uses their
phone to authorize
Real World Applications: transaction
Consumer buys goods Merchant processes
1. Retail brick and and services from transaction using
mortar Merchant w/ MTEL MTEL CASH s
CASH simple API suite
2. Internet e-
commerce sales
3. Street Commerce Merchant Benefits: Money is debited
4. Government supply from Customer s
Merchant pays a fixed account and
chain $.15 per transaction vs. credited to
5. Non manned 1.5% to 2.5% of merchant s account
revenue
vending machines
6. Charitable Virtually eliminates bad
Donations debt and credit card
theft
7. Request Money to
multiple people Speeds up transaction
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16. B2C Communications Suite
1. Ability to customize the
subject, message, and
priority.
2. Alter message type:
text only, text and
graphic message, call
back button
3. Segment customer
base and tailor
message to customer
group
4. Upload and manage
your own coupons,
advertisements, etc.
5. Used to upgrade data
Application
6. Can be used to remind
customers to pay bills
or call customer service
for an urgent issue that
needs to be addressed
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17. MCN (Mobile Commerce Network)
The MCN has been established to create interoperability between technology
clients and any and all mobile payment technologies world wide with the sole
purpose to move money easily, cost efficiently, and in real time to anyone,
anywhere in the world.
The MCN represents a global solution of interoperability between banks,
financial institutions, payment technologies, social networking groups, and
wireless carriers.
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18. MCN Settlement and Reconciliation
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19. MCN Pricing
MCN Processing Costs (Outgoing Payments):
Payments from Client s customers to any other Member of the MCN:
Monthly Transactions Transaction Fee Cost Per transaction Cost CAP*
1 250,000 Transactions 1.5% 1.50
250,001 500,000 Transactions 1.4% 1.40
500,001 750,000 Transactions 1.3% 1.30
750,001 Plus Transactions 1.2% 1.20
* All outgoing transaction fees have a per transaction cost cap
MCN Processing Costs (Incoming Payments):
Payments from other Members of the MCN to Client s customers:
Subscriber Account Base Commission Fee Revenue Commission CAP**
1 250,000 Transactions 0.9% 0.90
250,001 500,000 Transactions 1.0% 1.00
500,001 750,000 Transactions 1.05% 1.05
750,001 Plus Transactions 1.10% 1.10
** All incoming payments commissions have a per transaction commission cap
Monolex Telecom Confidential & Proprietary Information

20. MCN Payment Flow
Consumer Sends 100
At Cost of: 3.00 (Price Set by Client)
MCN Originating MCN MCN Client
Client Pays Processes Receives: 100.90
MCN 101.50 Payment Profit: .90
Profit: 1.50 MCN Revenue: .60
Consumer Receives
Note: If Originating and Receiving are from the 100 in Real Time
same MCN client, then Client profit is 2.40
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21. Business Development
Monolex s Mobile Learning is an active process. We learn by
Commerce suite can
assist its clients in utilizing
doing.. And only knowledge that is used sticks
its technology to maximize in your mind.
its value and help drive Dale Carnegie
value to its Clients:
1. Increased distribution
2. Increase Customer
Satisfaction
3. Reduce Costs and
increase bottom line
profitability
4. Reduce Customer
Churn
5. Expansion of current
product sets
page 20
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22. Next Steps
1. LOI Creation / ONE VISION
Execution ONE SYSTEM
2. Contract Creation /
Execution
ONE TEAM
3. Client fills out
Implementation
Manual
4. Address and scope
any needed custom
development work
5. Client set up, coding,
and configuration
6. Quick Implementation
7. Client Acceptance
8. Full Production
Launch
9. Continuous feedback
and development loop
Monolex Telecom Confidential & Proprietary Information