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Ultimate company

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Mobile payments and financial services technology company

Our Mission is to become the lowest cost provider of mobile commerce services and branchless banking to the vast un-banked immigrant populations from Latin America, Asia and Africa and their societies back home

UMS vertically-integrated systems allow for a wide range of flexible solutions for banks and other partners

Technology partner of our Customers.

ventas@bancamovil.com.mx

Published in: Economy & Finance, Technology
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Ultimate company

  1. 1. Ultimate Mobile Solutions Brief of Products
  2. 2. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  3. 3. <ul><li>Ultimate Mobile Solutions </li></ul><ul><li>Mobile payments and financial services technology company </li></ul><ul><li>Mission is to become the lowest cost provider of mobile commerce services and branchless banking to the vast un-banked immigrant populations from Latin America, Asia and Africa and their societies back home </li></ul><ul><li>UMS vertically-integrated systems allow for a wide range of flexible solutions for banks and other partners </li></ul><ul><li>Technology partner of our Customers. </li></ul>Copy Rights Ultimate Mobile Solutions
  4. 4. <ul><li>Goals </li></ul><ul><li>Provide unique value propositions for customers, partners and shareholders </li></ul><ul><li>Enable significantly lower-cost cross-border remittances and financial services in fast growing transnational markets </li></ul><ul><li>Make the mobile platform available to MFI ’ s, third party associations, government agencies and card/phone distribution networks </li></ul><ul><li>Help MFI ’ s to develop their Mobile Banking Ecosystem with the latest technologies and vertical solutions. </li></ul>Procesó de Otorgamiento de Crédito Verificación Automatizada de Domicilio y Trabajo Copy Rights Ultimate Mobile Solutions
  5. 5. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  6. 6. Copy Rights Ultimate Mobile Solutions The Micro Finance are challenged to deliver credit as quickly as possible and ensure that the customer can be located for collection purposes Our platform enables MFI ’ s the tools to grant credit to their customers quickly and ensuring that all the information provided by the customer is correct. Mobile Architecture Mobile Platform Customer Verification MFI´s MFI Employee That verifies the address of the customers, working activity, etc. Satellite Mobile Platform Ultimate Mobile Solutions Encrypted Communications MFI ’ s Core Banking System Web Operators at MFI And System Administrator Carrier Customer
  7. 7. Web Platform Screen Shots Copy Rights Ultimate Mobile Solutions Mobile and Web Users Administration by Roles Status of all Operation at glance Performance Dashboards of all operations. Customers Data Geo Localization
  8. 8. Screen Shots Mobile Platform Secure Login. MFI employees have to be registered in the Mobile Platform. Login and Password Syncronization. MFI employees receives the credit applications that needs to verify depending of the zone that they were assigned. Geo Localization. MFI employees receives the locations of the customer to verify Check List Process. MFI employees develop their taks one by one. All information needs to be completed before syncronization. Validations Platform will validate all the input depending the business rules of the MFI for each field.
  9. 9. Key Features Inteconnection with Core Banking Systems. Several Methods to obtain the information from the Core Banking Systems at MFI ’ s ( XML, WS, Data Base connection, Socket, https, etc.) Secure Connections. Encrypted Comunication between Ultimate Mobile Servers and MFI ’ s. Customization Each MFI ’ s can define their different status for their credit application process. User Managment. Manages access for the distinct users WEB and Mobile and the operations they can make in the Application. Monitoring Provides several reports and dashboards to review the all operations in real time Field Agents Monitoring The application can sent where the fields agents of the MFI are at any moment Mobile Platform Android Platform GUI interface developed for low technical users. On line – Off Line The mobile clients work in on line and off line mode, the application will synchronize to the Mobile Platform as soon the mobile has connectivity.
  10. 10. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  11. 11. Copy Rights Ultimate Mobile Solutions One of the big challenges when you want to make a Mobile Banking systems is how to inter-connect all distinct actors to the Transactional Switch. Each have a distinct type of systems and they don ’ t have the skills to interconnect using ISO 8583 standards. Also is very expensive to develop nodes in a robust platform like Postilion to interconnect to all this actors. UMS Hydra Channel Interface Manager Retail Chain Gas Stations Small Business Micro Finance Institutions Core Banking Systems Or Card Authorization Network. UMS HYDRA Networks Standard
  12. 12. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  13. 13. Copy Rights Ultimate Mobile Solutions We have developed a Pocket Pos Platform that allows to process any debit, pre-paid, credit card transaction where card present is required some of the features are: POS MOVIL Card Processing by Mobile Phone. <ul><li>Real time credit card processing </li></ul><ul><li>Card present acceptance </li></ul><ul><li>Supports all major credit cards </li></ul><ul><li>Supports void, return, authorization, and force </li></ul><ul><li>Designed for PCI PA-DSS compliancy </li></ul><ul><li>Merchant customizable receipt header and footer </li></ul><ul><li>Supports multi-language and multi-currency </li></ul><ul><li>Supports multiple time and date formats </li></ul><ul><li>Easy to re-brand with custom logos, icons, names, etc. </li></ul><ul><li>Print batch reports from Gateway </li></ul><ul><li>Merchant created PIN access protection </li></ul><ul><li>For use with Blue Bamboo's P25-M portable Bluetooth printer with MSR </li></ul><ul><li>Designed to work on most Java enabled Bluetooth mobile phones </li></ul>Android availability in a few months.
  14. 14. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  15. 15. Copy Rights Ultimate Mobile Solutions Mobile Banking Mobile Banking for Customers Secure Mobile Client:   This is the main component that is installed on each mobile device of the customers and merchants to perform transactions in a secure way using several authentications factors. There are three options available depending on the interpolation with the carriers the best option will be selected to achieve the most numbers of mobile devices.   Secure SMS: This is a Java Software that needs to be installed into devices and provides a GUI interface for the user to perform all their transactions, the method used to send those transactions to the Mobile Application Platform is trough encrypted SMS.
  16. 16. Copy Rights Ultimate Mobile Solutions Mobile Banking Main Features client <ul><li>Secure SMS and WS: This is a Java Software that needs to be installed into devices and provides a GUI interface for the user to perform all their transactions, the method used to send those transactions to the Mobile Application Platform is trough encrypted SMS Or trough Secure Web Services. </li></ul><ul><li>  </li></ul><ul><li>Main Features: </li></ul><ul><li>  </li></ul><ul><li>Installation Over the Air or locally by Bluetooth. </li></ul><ul><li>Communication Method SMS using a private or shared short code. </li></ul><ul><li>Design for use on mobile phones with low process capacities. </li></ul><ul><li>All transactions are encrypted using 128 bits AES algorithm </li></ul><ul><li>Every mobile device has their own private key for the encryption of the messages </li></ul><ul><li>User has to enter their six-digit Pin/ Password number to have access to the application. </li></ul><ul><li>Management of a time expired session. </li></ul><ul><li>Remote Block or Reset of the Mobile Application without any intervention need it from the user </li></ul><ul><li>Remotely change the menus or transactions available for each user. </li></ul><ul><li>3 factor of Authentication (ID CALLLER, PASSWORD, ENCRYPTION KEY) </li></ul><ul><li>No sensitive information is send it on each transactions (just the instruction, not accounts, account information, etc.) </li></ul><ul><li>  </li></ul><ul><li>This application works in more of the 50% of the actual devices in the market and on the 80% of all new phones. </li></ul>
  17. 17. Copy Rights Ultimate Mobile Solutions Mobile Banking Mobile Architecture
  18. 18. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓
  19. 19. Copy Rights Ultimate Mobile Solutions Mobile Banking for MFI Agents. Main Features client <ul><li>MFI Agents trough a Mobile Platform: </li></ul><ul><li>  </li></ul><ul><li>Same Design as Mobile Banking client for Customers with the same security measures. </li></ul><ul><li>  </li></ul><ul><li>Transactions: </li></ul><ul><li>Re-Load a Card or Make a Deposit to a Card </li></ul><ul><li>Sale Air Time </li></ul><ul><li>Cash Out Operations </li></ul><ul><li>Receive Payments from other Mobile Users </li></ul><ul><li>Request for Electronic Value to their manager </li></ul><ul><li>Send Money to other mobile user </li></ul>Note: We can add any card processing if we attached the Magnetic Card Reader.
  20. 20. THANK YOU!

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