wallet factory

Financial and Marketing Solutions: Mobile Wallet

November, 2016

https://walletfactory.pro/



e-Tickets

Personal Finance

Management

Shopping and

payments

Loyalty and interaction with brands

Money transfers and bills sharing

Financial services (loans and deposits,

insurance and more)

Modern Mobile Wallets

2…are not just about online access to cards and balances, there’s much more to it

Wallet Factory Payment and Transactional Platform

All-in-oneA wide variety of payment and marketing solutions united under one goal (creating unique offering for each customer basing on analysis of her transactional activity) and mobile interface

Integrating the marketSynergy through integrating merchants, service providers and customers within one ecosystem

UniqueDeveloping set of mobile payment and transaction solutions. Uniqueness in 4 dimensions: technological, geographical, temporal and marketing.

Monetization of transactional data

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Central Channel Control

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Customers’ advantages:• Familiar interface, unified

experience, seamless customer journey

• Limitless freedom, the right payment or loyalty tool for every life situation

MONEY IN THE CLOUD

Payment Gateway

ModulesC

lien

t o

pti

on

s

Sys

tem

Ap

plic

atio

n

PrePaid Credit CardBank

account

LoyaltyE-

walletPayment/

Top upOTP …

Web browser

NFC

iOS, Android

PoS

SMS/USSD

Advantages for providers:• More points of contact with the

customer, more monetization opportunities

• Building brand strength and customer loyalty in multiple channels

Strengthening your uniqueness

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Uniqueness

Technological uniqueness

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Technological uniqueness

Maximum security of personal, payment and transactional data

Technological commonality and interrelation of all solutions and platform components

Tags+smart data storage+CRM=automated process to build customer loyalty

Real-time communication with customers at the right time in the right place

Exchanging digitalized values between merchants and customers in real time

Our Platforms –mWallet and eWallet

Products Overview

Mobile Wallet mWallet

eWallet

mPOSQR POS

New Provider’s Channel of service and distribution

Contactless payments

Additional payment tool for Provider

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Provider’s acquiring business!

Online store for mobile commerce

What is mWallet?

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mWallet is a platform that allows Smartphone users

to manage digitized values (offers, coupons, rewards within loyalty programs, ticketing,

boarding passes, gift certificates, ID-cards or information about products and services) of

different brands and makes it possible to make payments

(with bank accounts, bank cards, and electronic money)

mWallet Features

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MicropaymentsMobile commerce

ShoppingPayments to service

providersHotels reservation and

paymentsEntertainment

E-ticketsUrban transportBoarding tickets for

trains, buses and planesTickets for events

Geolocation-based offers and services

Coupons, certificates, deals and promotions

Loyalty programsMobile storeMoney transfersPersonal informationRewards managementElectronic prescriptions, etc.

mWallet Services (1/4)

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Paying for goods and services with Visa and Mastercard cards, linked to a wallet, by reading the QR-code, generated in the online store, or any external QR-code (on a check, on a product, etc.)

Quick authorization on the website, check-in a retail store using QR-code scanning with simultaneous transfer of information to identify the client

Paying for goods and services with Visa and Mastercard cards, linked to a wallet, by reading the QR-code with mobile phone built-in scanner

Paying for goods and services with Visa and Mastercard cards, linked to a wallet, through reading the QR-code from a mobile phone by scanner of another mobile phone


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Making remote pre-order in mobile wallet with card payment, followed by a visit to a store, fast servicing procedure and receiving the order

Placing an order in mobile wallet with card payment, followed by order delivery to the address stored in the customer’s web-passport

Ability to self-service in a store, when a customer himself scans bar codes of the goods using his mobile phone and pays with a bank card linked to his mobile wallet

Submitting an e-ticket at events, exhibitions, fairs, trade shows and concerts with option to withdraw admission fee (ticket cost) from the card connected to mobile wallet


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Submitting digital loyalty card from the cell phone screen; ability to accrue and write off bonuses or their analogues (dedicated bonus account (bonus wallet) linked to a customer’s mobile wallet)

Card-to-card money transfers with mobile wallet without entering card details (using recipient’s phone number from a contact list if linked cards are available)

Buying train tickets (with a complete choice of features) with payment by a card linked to a mobile wallet

Paying to service providers (refilling mobile account, utility payments, payments for TV, internet, etc.)


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Applying for a loan. In case the application is approved, the loan funds can be deposited directly on the card, which is linked to mobile wallet.

Possibility to look up the nearest store with geolocation service. A customer sees the distance to the nearest store and its operation hours

Personalized communication with customers on-line in the wallet messenger, as well as ability to send push notifications (both servicing and promotional)

Digitization of existing loyalty cards, developing and launching a new loyalty program

How mWallet works: Registration

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A client downloads the app from Google Play or AppStore, registers his wallet and sets the PIN-code for quick and easy login

Your brand

Your brand

Your brand

How mWallet works: Main Menu

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The main menu (looks similarly to menu of popular OS) consists of widgets that are configured to the needs of the client by himself

Your brand Your brand

How mWallet works: WebPassport

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Each wallet has a unique customer ID and contains a WEB-passport with the required personal data

How mWallet works: Cards

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The customers enters the "My Cards" section and adds his own payment cards by entering card details

How mWallet works: Payments

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A customer may make payments and repay the bills To repay a bill of a merchant or service provider, the customer should select the bill, select the payment tool and confirm the payment. To

make a payment within the system, a customer may enter a recipient's mobile phone number, and then confirm the payment

How mWallet works: Transfers

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P2P transfers can be done by selecting a recipient from the contact list, or by entering the recipient's card number

How mWallet works: Loans

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Directly in the wallet customer may fill the application for the loan and receive money on the card in case of positive decision

How mWallet works: QR Payments

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QR-code of a customer wallet isunique and can be read by a QRscanner.

The client may also read anyexternal QR-code to connect tothe merchant system. Thecustomer receives the orderinformation to their cell phonescreen with the amount ofpurchase and confirms thepayment with a card linked to thewallet

QR and NFC technologies

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2 up-to-date technologies within one solution

QR NFC

We cover various merchant segments with our QR+NFC+merchantsolutions

Micro business

Small business

Medium business

Large business

QR scan is mWallet, printed QR code

Integration with cash register software

sellerQR scanner in the

seller’s mobile business application

QR-codes on seller’s checks

NFC in smartphone

What is eWallet?

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An Electronic Money Processing platform giving you the opportunity to build your own

payment business without starting from scratch.

Full-fledged payment system for all kinds of payments and transfers.

Whether you operate financial services company, a retail network or a telecom operator – our E-Wallet solution will bring your business to the next level, allowing you to harness up-to-

date tech trends.

eWallet Features for end-users

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E-Wallet balance & transaction historyRefill & funds withdrawal Mobile refillPayments for TV/InternetUtility paymentsOnline payments for goods & services Taxi faresInsurance paymentsOther services (transportation, loans, charity etc.)Tuition fee paymentsEntertainment - tickets, games, paid contentSocial media paymentsIntegration with prepaid cards, card paymentsQR code paymentsNFC paymentsInstant P2P transfers (e-wallet to e-wallet, card-to-card)

Electronic Wallets are very similar to bank accounts, wherein customers can hold the

money in any currency, that can be used later for various purposes, such as

payments, local or overseas money transfers, paying utility bills, prepaid cards

and so on. Customers can easily convert the money from one currency into another,

and vice-versa, almost immediately. Customers can make the payments in any currency to their intended beneficiaries,

both locally and world-wide.

eWallet Features for businesses

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Full automation of payment acceptanceInstant money transfer to merchant’s e-walletPayments historyInvoicingGenerating vouchersFees managementSMS notifications

Managing NFC-stickers orderingsOrdering cardsB2C paymentsHolding fundsAPI integration

eWallet Services: Basics

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eWallet

1. Buying e-money from

issuing bank or agent

4. E-money

withdrawal

3. E-wallet usage

2. E-wallet cash-in

Customer

3.1. Online, offline & NFC payments for

goods and services3.2. Р2Р transfers

eWallet Services: cash-in

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2. Tools for adding money to eWallet

Cash Cashless

Kiosks ATMs POS-terminals

Bank’s cash units

Visa, Mastercard E-money

Bank transfers Prepaid cards

eWallet Services: Payments

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3.1. Payments for goods, services, gift certificates

Utilities Retail stores

Cinemas Fuel stations

Mobile operators

Online stores

TV Internet-providers

Loans repayment

Gifts Gift certificates

eWallet Services: Transfers

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3.2. P2P Money Transfers

Customer 1 Customer 2

PAYMENT SYSTEMOperator

Data exchange

Data exchange

E-money

eWallet Services: Cash-Out

4. E-money withdrawal (exchange for real money)

Customer Issuer

PAYMENT SYSTEM

Operator

Data exchange

Data exchange

Tools for funds withdrawal

Real money

E-money

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How eWallet Works: Customer Profile

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How eWallet Works: Money Transfer

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What is mPOS?

mPOS is a business application for merchant account allowing him to generate bills, transmit them in the form of QR codes

to a customer’s mobile wallet and accept payments made via mobile wallet.

It’s a toolset for payment acceptance and loyalty program management

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What is required for mPOS to operate?

• For a merchant – a tablet or smartphone with mPOSsoftware and a printer

• For a customer – mobile wallet

A handy tool for retail chain - compact (tablet or smartphone with the app + printer), a simple and easyto use

Supports both receiving payments and loyalty program (the transmission of information on reward forthe purchase)

Detailed check allows you to see the goods, the cost, and accrued bonuses and / or the amount savedthrough discounts

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How mPOS works• A merchant selects an item for the product catalog on a tablet; the items are added to the shopping

cart; then the merchant selects a payment method "pay with QR»

• QR-code is generated on the screen in the amount covering the value of goods in shopping cart.

• A customer (mobile wallet owner) scans the QR-code, and makes payment

• In the tablet appears a message that the product is paid

• The merchants prints the receipt for the paid items from the Shopping cart

A merchant selects an item for the product catalog

QR-code is generated on the screen

A customer scans the QR-code with mobile wallet

The item is paid, bonuses accrued

The receipt is printed

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What is QR-POS?

QR-POS is a business mobile application for the merchant

(owner or operator of the online or offline shop), enabling invoice

generation and payments acceptance via QR codes

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How QR-POS works: main menu

After simple registration andsubsequent signing of contracts, amerchant can immediately acceptpayments

In the main menu, the followingoptions are available: Invoicing,Payments acceptance, QR codesgeneration and scanning, Accountmanagement and Settings

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How QR-POS works: issuing a bill1. A merchant selects “Create an invoice” menu option, enters customer’s phone number,

amount and note

2. The customer gets a push notification to his mobile phone screen with information about thepurchase and confirms payment with her card linked to mobile wallet. The merchant alsogets the QR code to heir screen, which can be scanned with the customer’s mobile wallet

Another option – the merchant can scan QR code from thecustomer’s mobile phone, enter amount of payment

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How QR-POS works: accepting payment for goods or services

1. A merchant selects “Accept a payment” menu option, enters payment amount and note

2. QR code appears on the screen. The customer scans it with her mobile app go get informationabout the purchase and to confirm the payment with a card linked to mobile wallet

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How QR-POS works: QR code generation, account management

• To generate a QR code, themerchant selects “My QR”menu option, and gets a QRcode to be scanned with thecustomer’s mobile wallet forpayment.

• All created and paidinvoices are stored underthe “Invoices” menu sectionwith various grouping andfiltering options

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Underlying Magic

Architechture

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Security

At the heart of the security strategy we use the international standard ISO 27000, defining the requirements for information security management and risk management

All our partners are PSI DSS certified service providers

To provide fault tolerance and load balancing system, we are guided by global standards, High Availability (HA) and Load Balancing (LB)

Wallet Factory is fully integrated with international payment systems

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Open API

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Open APImultiplies choices,opens moreopportunities forthe creative talentfrom any field ofbusiness andenables quick andflexible integration

Server #5

Data center #2

PHP Application server #2

MySQL server #3

PHP Application server #1

Nginx (Web server 1)

site.comIP 002 (Reserve)

User (Web, Mobile )CRM APP

CRM PARTNER SITE

Percona (Master)IP 005

eWallet e-money server

User (Partners API) eWallet,

mWallet

Backup ServerIP 007

WAF

api.site.com IP 001 (Active)

Partners API

Nginx (Web server 2)

site.comIP 004 (Active)

CRM PARTNER SITE

api.site.ua IP 003 (Reserve)

Partners API

Partner API requests

MySQL server #4

Percona (Slave)IP 006

DB ConnectionDB Connection

DB Saving

User requests Processing

API

Partners API reserve

flowProcessing API

Info exchange streams

Secondary (backup)Primary

User reserveflow

GIT

Reserve DB Connections

Data center #1

User resourcessync

Replication

Web APP Saving

Web APP Saving

White Labeled solutions

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With Wallet Factory, you can get acustomized turnkey solution under yourown brand. Our White-Labeled solutionsdon’t need development from scratch andguarantee your products minimum time-to-market – 2-3 months

Our Team

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• 15 years of successful experience in the fields offinance, banking and payment technologies

• Strong management team including professionalsfrom Finance and Payments, Marketing, ITdomains

• 25 employees in 3 offices in Poland, Ukraine andChina

Thank you for attention!

Wallet FactoryMikhail Miroshnichenko, CEOEmail: [email protected]

Addresses:- Office 27, 2A Rydygiera St., Wroclaw, Poland,- 4 Andrey Sheptytsky St, 10th floor, Kyiv, Ukraine,- Office 11, 43 Bedford street, London, England, WC2E 9HA, United Kingdom,- Wuxing Road, No. 277, Suite 1513, Shanghai 200030, China

Phones:PL +48-73500-7500UA +38-067-621-57-13UK +44-2081-444-801US +1-415-830-3669CN +86-183-2120-3019

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