Next Generation
Mobile Wallet Solution
OVERVIEW:
MOBILE
WALLET
Mobile Wallet system is regulated by
Central bank of the Country and can be
operated by a bank / telecom service
Mobile Wallet provider / payment service provider,
having license from the Central Bank.
It works like a bank account
Customer money is as secure as in a bank
where people deposit their account.
money and consume it when
required. This can be in the
form of fund transfer, mobile It can be accessed only through its
authorized user as needed.
recharge, payments at
merchant outlets, Bill/EMI
payment etc. This system is very fast, safe, transparent,
convenient and authentic to its user as
well as service provider.
MOBILE WALLET ECOSYSTEM
CENTRAL BANK BANK / FINANCIAL INSTITUTION Agents END CUSTOMERS
Regulating authority and issuer Mobile Wallet operators owns the license and Work on behalf of Mobile Wallet Enjoy various services offered
of the mobile wallet license offer payment services to their customers Operator and offers cash by Mobile Wallet Operator
payment deposit & withdrawal
services
Subscribers
They are the end-customers consuming the services
offered by mobile wallet operator
Agents
They work on behalf of the Wallet Operator,
called as channel partner and extends
services to the end-customers, mainly deposit
and withdrawal of cash money
NETWORK:
Merchants
MOBILE They sell their products or services
and accept payment from end-
WALLET customers
OPERATOR Utility Bill Companies
They offer bill payment, mobile
BANK / FINANCIAL INSTITUTION recharge, insurance premium payment
services, etc
Mobile Wallet operator owns the license
and offers payment services to its
customers
Financial Institutions / Payment Gateways
End-customers links their bank account or
uses their cards to load the wallet
KEY SERVICES
Cash Deposit / Withdraw
Utility Payments Customers can deposit / withdraw
Water/electricity bill, insurance cash through various agents
premium, EMI payment, etc.
Mobile Recharge
MOBILE
Customers can recharge Fund Transfer
their mobile from different Customers send / receive
telecom operators WALLET money to registered or non-
registered users
Bank Transfers Merchant Payments
Users can link their bank account to Payment for goods or
other banks for various transactions services
NEXT GENERATION
NEXT GENERATION:
MOBILE WALLET
MOBILE WALLET
SOLUTION
xpWallet - BUSINESS CENTRIC APPROACH
BUSINESS ANALYTICS PROMOTION AND LOYALITY
Identify your loyal customer and offer them
Helps the business team to analyze reward. It reduces the churn rate of your
the data and take the right decision customers and keep them happy
on right time for exponential business
growth and wonderful ROC/ROI
ENTERPRISE SOLUTION REFERRAL PROGRAM
Core Mobile
Telecom Independent solution and Wallet Platform Users refers and earn reward
possibility of integration with multiple for each registration. It allows
telecom operators your users to promote your
Accessibility through multiple devices i.e. business
Feature Phone, Smart Phone, Web, POS
Integration with different payment
solutions, ATM, Payment Gateways,
Banks
MODULES IN xpWALLET
BUSINESS ANALYTICS PROMOTION AND LOYALITY
Identify the areas creating issues to the Empowers Operator to engage through various promotion
customers and loyalty events
Automated reports and triggers helps the Run campaign for targeted users
business and support team to respond faster Allow advertisers to participate in the promotional
Decision support system helps top program
management optimize the business processes
Core Mobile
Wallet Platform
ENTERPRISE SOLUTION REFERRAL PROGRAM
NFC payments Standardized way allows the users to invite their
Salary payments and bulk transfers friends and relatives and offer rewards
Publish and advertise merchant deals Full participation of advertisers
Seamless integration with bank account & cards Multi-level marketing where agents bring sub-agents
and earn for life-time
Card-less Withdraw from ATM Machine
Supports most of the payment devices
Multi-language and multi-currency supports.
Accessible through different platforms i.e. Web, ATM, POS,
USSD, SMS, NFC, J2ME, Android, BlackBerry.
With wide range of products covering NFC Ticketing, Fund
Transfers, Merchant Payment, Bill Payment, Promotion Engine,
Pay Parking, Survey, Merchant Deals, School Fee, etc.
KEY Secure, scalable and robust platform and guarantees 99.9%
availability
FEATURES
24x7 support and automated monitoring
Decision Support System for top management to make better
decisions.
Fully customizable and flexible KYC for all types of users.
Highly configurable commission structure for all the services.
Open APIs for Banks, Telcos, Merchants, Utilities Companies for
integration.
• Self growing business model
• Accelerate revenue growth
• Cost-effective deployment
• Improved customer engagement
KEY
• New revenue opportunity
BENEFITS
• Increase in ARPU
• Secure and seamless user experience
• Instant Banking services
• Seamless integration with any financial
software
• Cost saving
KEY PROCESSES
AGENT ON-BOARDING: SELECTION MODEL
Unapproved
Mobile Wallet
Operator
Verification
Identification Approach Fill the
&
of key key people on-boarding form
Approval
locations
Approved and On-boarded
AGENT ON-BOARDING: SELF GROWING MODEL
Rejected
Mobile Wallet
Operator
Verification
Download Fill the
&
the App on-boarding form
Approval
Approved and On-boarded
CUSTOMER ON-BOARDING
Self Registration
Registration
through the
Agents
Mobile Wallet
Operator
Verification
&
Direct registration by Approval
the
Wallet Operator On-boarded
FUND TRANSFER: INSIDE NETWORK
1. Fund Transfer Enter Transaction PIN
2. On-the-Fly Transfer 1 7953
3. Merchant Payment
4. Airtime Topup
5. Bill Pay
*111# 6. Balance Enquiry
7. Change PIN
Enter Payee Wallet ID Enter Amount (USD) Fund Transfer successful.
981188244 150 An amount of USD 5 has
been deducted s service
fee. Your new balance is
USD 4700.
FUND TRANSFER: OUTSIDE NETWORK
1. Fund Transfer Enter Transaction PIN
2. On-the-Fly Transfer 2 7953
3. Merchant Payment
4. Airtime Topup
5. Bill Pay
*111# 6. Balance Enquiry
7. Change PIN
Enter Payee Mobile No Enter Amount (USD) Fund Transfer successful.
88235689 400 An amount of USD 12 has
been deducted s service
fee. Your new balance is
USD 4288. Transaction ID
is: YR104523
Payee will get SMS “You have received and Amount of USD 400 from <subscriber name>, Transaction ID is:
YR104523. Please go to your nearest mobile wallet agent and collect the money.”
CARDLESS WITHDRAW FROM ATM
Send the details Validate Details with Settlement with the
to ATM Switch Wallet Operator Bank
Enter the Cardless
Withdrawal PIN
Log into the Generate Cardless Visit the ATM Dispense Money
Wallet Withdrawal PIN outlet
WALK THROUGH
Of xpWALLET
MOBILE WALLET FOR FEATURE PHONE
Most popular and feasible access
medium across the whole African market
Almost 99% of the worlds’ phone have
this feature in-built
No dependency on Internet
Secure, fast and reliable
Reduces fraud possibilities through
instant SMS notifications
WALK
No costTHROUGH
to the end user
TO THE
Easy SYSTEM
to use: menu driven flow
MOBILE WALLET FOR SMART PHONES
Build brand image
Preferred medium by the top segment users
Any device anywhere! (iPhone, Android, POS)
Independent of any telco operator
NFC payments
Excellent user experience
Enhances consumers engagement and shopping
WALK THROUGH
experience
TO THE SYSTEM
BACKEND SYSTEM
Use of existing infrastructure and knowledge
Covers a big mass of consumers at no extra cost
Fast access to detailed and comprehensive information
Facilitating billers and merchants to manage their
accounts online
Empower users to maximize the web payment practice
Secure, fast and reliable
ARCHITECTURE &
SECURITY
SERVER ARCHITECTURE
USSD
Protocol Utility Companies Telco IN Server
Bank Server
(Bill pay services) (voice and data services)
Basic Phone IPSec VPN
(USSD / SMS)
xpWallet Server Infrastructure
USSD Server
Smart Phone
Application Application Application
Internet Node-A Node-B Node..(n)
(optional)
Protocol
Firewalls
POS
(connected with GPRS)
Load Balancer
(Public IP)
Database Backup
Application Database Location-B (i.e. Europe)
Location-A (i.e. USA) [real-time backup]
Computer
(connected with Internet)
DATA SECURITY MEASUREMENTS
INFRASTRUCTURE SECURITY USER AWARENESS
Forced to change password and
Multi-factor authentication
PIN after every few days
PCI-DSS certified infrastructure
Role based access
MOBILE WALLET
Access authorization and
Maker check feature
authentication.
IMEI number authentication
Regular audits A B
SERVER
DATA SECURITY INFRASTRUCTURE MONITORING TOOLS
Encryption of sensitive data Utilize anti-virus software and
firewalls.
No Data is stored on user’s
device and use of cookies are Use of strongest industry standard
completely avoided. SSL certificates.
VPN based access Use of anti-DDoS tools and IP
filtering & blocking
WHY XPWALLET: A PREMIUM PRODUCT
REASON
REASON 4
REASON 3
REASON 2
1
Core and advance payment solution Low cost to start Secure Flexible pricing models
Use of open source technologies Low cost of ownership Robust Budget feasibility
Ready to integrate with any banking system Low Maintenance cost Scalable Experienced technocrats
ABOUT XPWALLET
xpWallet is a mobile wallet solution provider, emerging in the
growing space of mobile financial services & mobile payment
solutions. The company has a team of excellent professionals with
the brightest minds ranging from experienced to the most out-of-
box developers.
xpWallet offers a complete end-to-end and different types of
turnkey mobile wallet solutions suitable for telecom operators,
banks, financial institutions or companies, and transport
companies all across the world. All these solutions can be
accessed from different platforms like USSD, SMS, NFC, Web,
Android, iOS, POS machines.
CONTACT US
xpWallet Technologies Pvt. Ltd.
Email: enquiry@xpWallet.com_
Phone: +91-172 502 7338
