Mtel Cash Mobile Commerce Suite

Mobile Commerce Enablement SuiteMobile Commerce Enablement Suite

Monolex Telecom Confidential & Proprietary Information

Core Suite of Services

MTEL CASHMission: To enable its clients to offer their consumers

solutions where they can manage their money andpurchases 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 thatany existing payment technology can integratewith to enable the clearing of money betweenvarying technologies creating a completeinteroperability for world wide money transmission.

MCN Potential Clients: Central Banks, Banks,Money Transmitter / Exchange Companies,Wireless Carriers, Social Networking Groups, andOther Financial Institutions.


100% Turnkey ASP Hosted Solution (Acquisition, Billing, Care, and Program Management)

Convergent Billing and Rating Services:(Cellular, Internet, Local, Long Distance, Cable, & Mobile Commerce)

Multiple Processor Integrations(Have integrated with multiple US based processors)

Prepaid / Post Paid / Multi Level Marketing Billing and Rating Support

“Our vision was to architect and build a mobile

commerce enablement suite that could act as

an enabling / clearing house

engine for mobile commerce

companies world wide.”

Paris W. HoltTechnologyCo-Founder

Company at a glance


Why choose MTEL CASH technology suite

Multiple service capabilities (cellular, Internet, VOIP, Cable, & banking)Powerful front end PRIVATE LABEL portals / apps Complete customization available100% turnkey solution with full supplier integrationsComplete billing flexibility (Prepaid / Post Paid / Hybrid)99.999% uptime guaranteeRich data strategy (data application)Multi level marketing billing / commissioning supportComplete 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 optionsFlexible management portals to manage business


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“We architected this technology

to securely jump start virtually any company in any

industry into entering the

mobile commerce /

mobile payments space.”

Ryan ReedTechnology Co-Founder Credit Check:

Taxation:

Business ACH:

B2C Credit Card:

B2C Check/Savings:

Cash Loads:

3rd Party Fulfillment:

B2C IVR:

B2C Bill Presentment:

B2C ILD Suppliers:

Date App Customization:

MVNO / MVNE Services

Customer Service:

Product Delivery:

Supp

ly C

hain

Client:

Administrative Portals:

Dealer / Distribution Portal:

Genealogy / Commissioning:

CRM- Customer Service:

Point of Sale Activation:

Data Application:

Fulfillment Mgmt Systems:

Supplier Queue Processors:

Billing QA / Rev Assurance:

.NET APIs:

Reporting Module:

Billing & Rating Engine:

AFIDS Module:

PCI 1.2 Compliance Suite:

mC

ASH

Sys

tem

s

Customer:

Debit Card Processing:

KYC ID Verification:

ASP Hosted Software Solution

Your Brand

Existing Banks / Mobile Payment Technologies


› 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

Unsurpassed technologyintegration heritage

Back Office Infrastructure

Processors


.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


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


Server Configuration and Security Architecture

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)

5 Layered Security Infrastructure


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


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.


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


Mobile Application Feature Set

› Core functionality: Money movementTransaction history

BalanceLoad fundsMobile 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


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


Mobile Wallet / Pending Payments Suite

Consumer buys goods and services from Merchant w/ MTEL

CASH

Merchant processes transaction using

MTEL CASH’s simple API suite

Customer uses their phone to authorize

transaction

Money is debited from Customer’s

account and credited to

merchant’s account

Merchant Benefits:

Merchant pays a fixed $.15 per transaction vs. 1.5% to 2.5% of revenue

Virtually eliminates bad debt and credit card theft

Speeds up transaction

Real World Applications:

1. Retail brick and mortar

2. Internet e-commerce sales

3. Street Commerce

4. Government supply chain

5. Non manned vending machines

6. Charitable Donations

7. Request Money to multiple people


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


› The MCN has been established to create interoperability between technologyclients and any and all mobile payment technologies world wide with the solepurpose 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, andwireless carriers.

MCN (Mobile Commerce Network)


MCN Settlement and Reconciliation


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

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

MCN Processing Costs (Outgoing Payments):Payments from Client’s customers to any other Member of the MCN:

MCN Processing Costs (Incoming Payments):Payments from other Members of the MCN to Client’s customers:

* All outgoing transaction fees have a per transaction cost cap

** All incoming payments commissions have a per transaction commission cap

MCN Pricing


MCN Payment Flow

Consumer Sends 100At Cost of: 3.00 (Price Set by Client)

MCN OriginatingClient Pays MCN 101.50Profit: 1.50

MCN Processes Payment

MCN Revenue: .60

MCN Client Receives: 100.90

Profit: .90

Consumer Receives 100 in Real TimeNote: If Originating and Receiving are from the

same MCN client, then Client profit is 2.40


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Business Development

“Learning is an active process. We learn by doing.. And only knowledge that is used sticks in your mind.”Dale Carnegie

Monolex’s Mobile Commerce suite can assist its clients in utilizing its technology to maximize its value and help drive 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


Next Steps

ONE VISIONONE SYSTEMONE TEAM

1. LOI Creation / Execution

2. Contract Creation / Execution

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

Mtel Cash Mobile Commerce Suite

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