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The MOBPay solution provides the user with a new and flexible payment channel. The solution reutilizes the established POS network through Voice and Cell Phone devices, offering:
- Wider scope and availability for payment methods.
- Better cost-effectiveness under a non-fixed infrastructure.
- The possibility for people and companies to carry out a greater number of transactions anytime, anywhere.
MOBPay Differentials:
- Implements all available media in other solutions.
- Available for all platforms.
- Easily integrated with current systems (URA and etc...).
- Module ready for MainFrame.
- Direct connection to SMSC (SMPP, etc...)
- MultiChannel/MultiUser.
- Mix among different channels.
- High scalability and availability (up to 240 channels per CPU).
| Retail Businesspeople Communication: |
| Voice Channel |
Businesspeople can carry out transactions using any phone available through the Audible Response Unit (URA); |
| Cellular Telephony |
The cell phone aggregates all PDV resources through SMS, WAP2 or embedded application; |
| PDV Terminal |
Communication used by retail businesspeople; |
| Internet |
Virtual stores can directly connect to the MOBPay server through a secure connection; |
| Private Line |
Communication channel between the businessperson's LAN and the MOBPay server; |
| Embedded Hardware |
Module with a cellular communication component that can be embedded in selling machines. |
| Consumer Communication: |
| Voice Channel |
Consumers can be contacted through the Audible Response Unit (URA) to carry out transactions using a mobile or fixed phone; |
| SMS Message |
Cell phones based on different technologies can be used to conduct transactions with a high level of flexibility through SMS; |
| WAP 2 Protocol |
Cell phones with WAP support can access the application through the cellular browser relying on a high level of interactivity. |
| Embedded Application |
With an application previously installed in the cell phone, the consumer can quickly and safely approve payments. |
Platform for Embedded Application:
- Any cell phone that supports a minimal level of programming, or at least the resource for messages receipt (SMS).
- Any with WAP 2
- Supported by GSM or CDMA Technology
- Java phones (J2ME – CLCD MIDP 1.0/2.0)
- Symbian v6, v7
- PalmOS v5 (Treo, Tungsten, Zire devices)
- BlackBerry
- Microsoft Pocket PC
- Microsoft Smartphone Windows Mobile
- Brew-based phones
- Linux-based phones
- Java JEE
- Microsoft .Net
- zSeries
Authentication Methods:
- Integration with existing Authentication systems
- Use of reverse OTP
– The user receives via VOICE an OTP and Types it in the Businessperson's PDV/POS.
- Use of Token’s and Audio Token’s
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