TagPay by Tagattitude

Awards Built to power your mobile money business TAGATTITUDE specializes in mobile payment and security technologies. It was founded in 2005 by smart-card industry expert Yves Eonnet and telecom industry expert Hervé Manceron. Tagattitude's core offers are strong authentication solutions for web access and mobile payment solutions designed for un-banked populations. Tagattitude’s NSDT™ (Near Sound Data Transfer) technology enables the instant use of ANY phone worldwide as payment tools and authentication devices: all handsets, all networks, no SMS, no downloads, no hassle. NSDT™ uses the mobile phone's audio channel to transmit secure transaction data (OTP, electronic signatures, certificates…) and is protected by a portfolio of 9 international patents. By Tagattitude About June 2011: Tagattitude was one of 2 finalists in BFM Academy competition. BFM is the leading business radio in France and the BFM Academy contest was between 56 companies presented during 28 radio broadcasts. See video. BFM Academy Contact Address: 4 rue de Chèvreloup 78150 Rocquencourt France Phone: +33 1 39 23 13 40 Email: info@tagattitude.fr Websites www.tagattitude.fr http://tagpay.blogspot.com/ http://www.twitter.com/Tagattitude TagPay Tagattitude specializes in mobile payment and security technologies. Tagattitude’s TagPay platform is the product of over 6 years of research and development and has proven its worth powering nearly 30 mobile money services in over 25 different countries. TagPay is recognized as the most complete and adaptable mobile money platform on the market. With patented transaction technologies NSDT™ and NFC2.0, an open architecture, and a state of the art security design, TagPay supports a full range of mobile money services that are telecom operator and handset agnostic. Technologies Near Sound Data Transfer NFC2.0 NSDT™ is a universal and secure Sound Based Transaction Technology that enables contactless transactions using any type of phone.  Smart-Card grade security  Instant availability  Works on any type of phone—all makes and models  Quick and simple to use without any application download  Works on all telecom networks independently of the operator  Doesn’t impose telecom costs on end users NSDT™ is the only contactless transaction technology with ALL of these important characteristics: Enabler of awesome apps An elegant, universal and easy-to-use technology enabling contactless mobile transactions across any network using any smartphone. This purely software-based alternative to classic NFC allows developers to extend the advantages of NFC to all smartphones, regardless of their hardware or operating system and without an NFC chip. NFC2.0 is offered as a contactless transaction service that is easy to integrate with any app. Flyer on NFC2.0 Mobile Payment Terminals Just a Phone Website terminal Designed for emerging markets, TagPay minimizes operational costs and accelerates your return on investment. Phone-based Terminals POS terminals TagPay’s phone-based terminals use a Java application to transform a low-cost cell phone into a POS terminal. Nokia Phone-based TagPay terminals (TagPay1x00) consist of a java enabled phone encased in a plastic terminal shell— The shell gives a terminal-like appearance and guides the placement of the customer’s phone. Android and iPhone terminal applications are available as well. In all cases, the application sends transaction requests to the platform and receives the NSDT™ tokens used to sign transactions with the customer’s phone. A Bluetooth printer can be used to print receipts. What can be a terminal? The merchant’s own phone A phone-based “terminal” A website A “classic” terminal with integrated NSDT™ capabilities Simple and low cost merchant enablement. Several low-cost merchant enablement solutions are available to guarantee secure retail transactions using existing devices (phones or computers) or POS terminals. Use a computer as a POS terminal for retail transactions. The e.TagPay website is a POS device that uses NSDT™ to sign transactions securely using the customer’s phone. The e-TagPay uses any computer with an internet connection as a POS terminal. Any existing phone can be used as a POS terminal for retail transactions. With a simple SMS or phone call the transaction is requested and signed with NSDT™. A merchant may use an ordinary mobile phone as a terminal. There is nothing to download on the phone and any type of phone can be used regardless of the operator. In a few seconds the transaction is signed and both parties receive confirmation via SMS. NSDT(TM) has been integrated into several standard POS devices such as the Mobiprint (left) and Ingenico (right) terminals depicted below. With a simple software upgrade most POS devices are able to become NSDT-enabled. Transaction Engine Multi-currency data Mobile Authentication Module (NSDT) Internal Fees Client Merchant Agent Users & Accounts TagPay SQL Database APIs IVR Online e-commerce POS Gateway Backoffice External Fees Message Spooling SMS e-mail Smartphone Applications Web Applications Admin Agent Merchant Client Web-POS Platform A breadth of payment and transactional capabilities allows you to offer in store payments, remittances, salary disbursement, ATM services, e-commerce, and much more. Key features Applications Enabled Getting TagPay TagPay is designed for banks, telecom operators, and other types of existing and aspiring financial actors who are looking to provide uniquely valuable and market-changing financial services to anyone with a phone. Tagattitude’s proven rollout methodology helps partners achieve successful deployment with an extremely rapid time to market. Tagattitude offers a set of consulting, legal, and financial tools to help partners overcome common challenges faced during deployment. All of Tagattitude’s partners are members of the TagPay Community Empowerment Program where they have unlimited access to key resources and can participate in webinar series and forums to share experiences, resources, and networks. TagPay’s open architecture allows each partner to develop new features and functionalities via the platform’s APIs and to share their developments with others in the community. More than a Platform Tagattitude’s partners throughout the world are using TagPay to revolutionize access to financial services. TagPay Community Empowerment aims to leverage the success, experiences, and expertise of each of Tagattitude’s partners to inspire and drive their collective growth. Tagattitude is in a unique position to help their partners learn from each other to boost their businesses’ growth and revenues. Newsletters: A regular newsletter for partners covering platform evolutions, industry events and opportunities, and various useful resources contributed by members of the TagPay Community. Webinars: Monthly webinars to share best practices on how to use the TagPay platform to effectively manage the different aspects of a mobile money scheme. Library: An exchange Library of technical, marketing, and commercial resources contributed by Tagattitude and members of the community. Events: A TagPay Community Empowerment Conference to give partners a chance to meet, share, and learn from a series of seminars. Mobile money is a relatively new market where innovative solutions such as TagPay are changing the rules of the payments industry. The 30+ mobile money projects that Tagattitude works on provide a rich base of experience that is built on and leveraged for the benefit of all partners. Each company using Tagattitude's Mobile Money solution is a member of the TagPay Community and is able to benefit from the TagPay Community Empowerment Program. The TagPay Community Empowerment Program includes: As Tagattitude’s CEO Yves Eonnet describes it: “Our partners inspire us and each other. The TagPay Community Empowerment Program is dedicated to channeling this inspiration and pooling our resources to produce tangible benefits for all.” Bank in a Box Package TagPay can be offered as part of Tagattitude’s Bank in a Box package. This package provides any existing or future financial institution with quick, easy and inexpensive entry into mobile money transactions and mobile-based financial services. Bank in a Box includes all the necessary features, technology, tools, and support to roll out services dedicated to financial inclusion that capitalize on mobile infrastructure. An end-to-end solution for mobile financial services Market Opportunity There are over 3 billion individuals who depend on cash and have no hope of financial inclusion. Fortunately, these unbanked billions have cell phones—Bank in a Box makes it possible to profitably provide financial services via these cell phones and to drive financial inclusion through a new micro-banking approach. A unique way to accelerate financial includion Bank in a Box is the most attractive and adaptable package on the market. It includes everything you need to deploy mobile-enabled financial services. Your brand, your customers, your way Your financial institution owns the customer relationship, sets the pricing for your mobile money program, and decides which mobile money services to offer your customers. Your customers can use their existing accounts for mobile transaction. You can also enable the m-wallet account management application included in your Bank in a Box to allow non-account holders to make transactions. The m-wallet application allows you to extend the reach of your financial services beyond your existing account holders. All services and transactions are carried out under your brand. Bank in a Box Includes: Consulting Services Legal Advising Financial Tools Technology Bank in a Box includes relevant documentation to help you overcome common challenges in the deployment of your financial services. Our expertise earned through projects in over 30 countries is used to guide and support your deployment. We also have a team of qualified and experienced consultants to help address strategic and operational issues related to your implementation. Rolling-out financial services requires a specific legal status and compliance with central bank regulations. Bank in a Box includes a set of tools and information to help you meet these requirements and can provide you with a specialized lawyer. TagPay has been approved by several central banks and the necessary documentation to obtain approvals is in the Box (KYC procedures, typical central bank requirements, etc.). Bank in a Box includes a set of tools to help you build your financial model. A Financial Simulation Engine (FSE™) takes into account the macro-economic environment of your deployment and local costs to model the best fee structure for your services. Sample TagPay P&L from past deployments are included as well as a group of financial specialists to help you build your business model and evaluate your return on investment. The set of standard TagPay applications offering many possibilities for financial services you can provide. Bank in a Box includes all the necessary technologies to power your services and the guidance and support to take you through the architecture customization, installation, and desired integration. This includes: The specifications of the dimensioned server, gateway, and back office hardware needed to install and operate. Alternatively an international hosting company experienced in managing TagPay platforms can host your service. Server & Hosting TagPay Software The TagPay software to manage all banking functions such as accounts, fees, audit & reporting, accounting, and the range of transactions. The software comes with banking websites customized to the look and feel of your brand. It is a secured home banking portal for your customers, agents, and administrators. APIs TagPay public API specifications to guide interfacing with your back office or another external resource. Terminals A choice from a set of mobile payment terminals in the TagPay terminal catalogue to equip your agents and merchants with the right tool to accept mobile payments or make other transactions (deposits, loans, etc.). NSDT Licenses A batch of TagPay software licenses which give you access to NSDT™ technology to bring ultimate security to all transactions made on your platform and strong authentication to protect account web access. Applications Marketing Training & Knowledge Transfer Support & Services Community Membership A library of PowerPoint presentations, videos, flyers, brochures, manuals, posters, press kits etc. is in the Box to help inspire your marketing and advertising campaigns. A standard training package includes three days of training by seasoned TagPay engineers. This training allows your engineers to acquire complete autonomy and to be fully capable of implementing a TagPay platform, configuring parameters, and programming interfaces. The Box includes unlimited access to TagPay customer support; engineers are at your disposal to answer questions and assist in installation. Online technical documentation provides around the clock support. When you acquire the Bank in a Box you automatically become part of the TagPay community that includes over 30 companies around the world. The community blog and International TagPay Convention allows you to share experiences, resources, and networks to strengthen your mobile money service. Advantages Operational costs are extremely low thanks to TagPay’s online architecture. Save millions in cards and terminals and accelerate your return on investment. Installation Options The platform can be installed locally or can be hosted in the cloud as a service managed by Tagattitude. TagPay offers two modes of installation that are adapted to different mobile money approaches: In stand-alone mode, TagPay functions autonomously as a mobile wallet. All accounts are managed entirely by the platform as stored value accounts or "mobile wallets". Stand-alone In gateway mode, TagPay is seamlessly interfaced with an existing payment or banking back-office allowing it’s service to be extended to the mobile channel. In this mode, account information is stored in the existing back-office and the TagPay platform’s sole function is to secure transactions. Gateway From microfinance to e-commerce, TagPay includes a range of important mobile money applications. Microfinance Making microfinance more secure and efficient. Anyone with a cell phone can conveniently receive and repay a microfinance loan. User-friendly voice-based services replace paperwork to make microfinance services more accessible and efficient. TagPay offers both remote and proximity microfinance transactions. The beneficiary may cash-out their loan or use the money to make purchases directly using their phone. All existing cell phones can be used without prior enrollment or special apps. How it Works Loan Distribution There are two possible ways for loans to be disbursed: Remotely: The MFI uses a web interface to send loans to beneficiaries’ cell phones or calls an Interactive Voice Response server and follows verbal instructions to disburse a loan. Proximity disbursement: An agent equipped with a cell phone or computer performs a secure NSDT™ transaction with the beneficiary’s mobile. In both cases, the beneficiary is guided by verbal instructions in their local dialect and the transaction is confirmed by SMS or printed receipt. Loan Use The beneficiary may go to a local MFI branch or affiliated merchant and withdraw the loan partially or completely using his or her mobile phone to sign for the withdrawal. The beneficiary may also leave the loan on their TagPay account and use their cell phone to buy materials for their entrepreneurial activities. The beneficiary ultimately has more control over how the loan is used and can reduce security risks by withdrawing cash in smaller increments or keeping the money on the phone to spend in stores directly. Loan Repayment Reimbursement of the loan can be done remotely or through a proximity transaction. The beneficiary deposits funds on their TagPay account through a bank branch or affiliated merchant The beneficiary either reimburses the loan via IVR or pays the MFI agent directly using their cell phone to sign the transaction NSDT™ is used to authenticate the beneficiary via their mobile when they receive and repay loans. Benefits Loans can be disbursed and repaid using any mobile phone in the world. Extremely Secure—the phone must be present to receive, use, and repay loans. Cash transport risks are eliminated. Full traceability and transparency—all transactions are tracked online to help manage beneficiaries and field agents. Beneficiary relationship management—real-time loan status information and ability to communicate reminders to beneficiaries. Improved efficiency—time saved on paperwork and logistics. User-friendly—voice-guided services for receiving and repaying loans conveniently. Cecilia gets microloans for her jewelry business sent straight to her phone. She withdraws some of the funds and spends some of it directly to buy her supplies. When she repays the loans she signs for the transaction using her mobile and has access to her loan status and history at any time. Alternative Use Case TagPay can also be used as a “mobile signature” for microfinance operations. In this scenario, cash loans are still used and the beneficiary’s cell phone is used to sign for loans that they have received and repaid. This solution resolves fraud, traceability, literacy, and many other barriers faced by MFIs. Wallet Transform any phone into an electronic wallet. Anyone with a cell phone can conveniently and securely store, send, and spend funds using TagPay mobile wallet. Funds are loaded on the TagPay wallet via various sources including money transfers, salaries and pensions, bank and card accounts, loans, direct cash deposits, etc. Money in a TagPay wallet can be used to pay bills, make purchases in stores and on the web, or make person-to-person payments. All existing cell phones can be used without prior enrollment or special apps. How it Works Loading a wallet Customers can load their TagPay wallet by depositing cash with an agent or retailer or with a payment card through the TagPay website. Funds transferred from another TagPay wallet as well as salaries, loans, and pensions received are instantly loaded onto a TagPay wallet associated to the beneficiary’s mobile phone number. If the phone number is not yet associated to a TagPay wallet, a wallet is automatically created when funds are received. Paying with a wallet Customers can use their TagPay wallet for a range of payments including: Person-to-person payments and money transfers via the TagPay website or by calling an Interactive Voice Response service and following verbal instructions. Proximity purchases at various merchant acceptance points: the customer’s cell phone must be physically present to sign the transaction using NSDT™. Internet purchases on various e-commerce websites: NSDT™ is used to verify that the customer’s cell phone is present during the online payment. Bill payments and airtime top-up done through an IVR, a designated retail location, or on the web. When using TagPay to pay on a website or in a store, the customer is invited to enter his mobile phone number and pass code. TagPay instantly calls the customer’s mobile phone sends an NSDT™ chirp through the webpage or merchant’s POS*. When the chirp is heard by the customer’s phone the transaction is completed. *The merchant’s POS can be an online computer, dedicated TagPay mobile payment terminal, or the merchant’s cell phone. Withdrawing cash Customers can withdraw cash from their TagPay wallet in designated retail and agent locations or from enabled ATMs. The customer’s mobile phone must be present to authorize any withdrawal. Benefits Any mobile phone in the world can be an electronic wallet Extremely Secure—the phone must be present to send and spend funds Very viral—receiving funds automatically creates a TagPay wallet Low cost and rapid time-to-market User-friendly—several channels for loading, sending, and spending funds conveniently No cash, no cards, no SMS, no hassle Imani has a TagPay wallet that she uses to keep cash out of her pockets and receive money transfered from her husband. She knows she can get cash from an agent or ATM whenever she needs it but prefers to use her phone to pay in stores using the money in her TagPay account. Case Example MobiPay is a mobile financial services provider based in Namibia. With TagPay’s platform and technology, MobiPay offers anyone with a mobile phone the possibility of creating a stored value account linked to their phone number. Money in the MobiPay account is used for a range of financial services and transactions. www.mobipay.com.na Retail Payment Contactless mobile payment for the point of sale. Anyone can securely and conveniently use their cell phone to make purchases in a store. This revolutionizes electronic payments by: Offering retail payments to the billions of un-banked mobile phone owners Attaining “SIM card-present” security level for mobile transactions Any cell phone can be used without prior enrollment or special apps. How it Works Customers TagPay customers can make purchases in participating stores using their cell phone to sign for the transaction. The customer’s account is loaded through the various encashment channels which are built into the TagPay platform. Benefits Retail payments can be made using any mobile phone in the world Extremely Secure—the phone must be physically present to sign the transaction Simple to use—just answer a phone call and bring it towards the chirp Designed for retail environments where quick and simple payment is a must Low cost and rapid time-to-market No cash, no cards, no SMS, no hassle Salim accepts mobile payments in his grocery store. His customers don't use cards but they all have phones. By accepting mobile payments, Ahmed reduces the amount of cash in his drawer and decreases his exposure to cash-related risks. Case Example Orange customers use Orange money for money transfers, bill payments, and other mobile financial services. Thanks to TagPay’s merchant payment solution Orange is able to offer their clients a mobile money solution that is as practical as cash and much more secure. TagPay brings Orange “the last mile” and effectively enables Orange to transform cash-out costs into revenues from retail transactions. Merchants Merchants can accept payments using a low cost “Mobile Payment Terminal” (MPT) or their own mobile phone. The TagPay MPTs are designed to provide quick and user friendly point of sale transactions with similar ergonomics to card payment terminals. TagPay Retail Transaction Paying a merchant using TagPay is done as follows: The merchant enters the amount due in his TagPay terminal. The customer enters their phone number and TagPay pass code. TagPay verifies this information and calls the customer’s phone. TagPay sends an NSDT™ chirp through the MPT and the transaction is authorized once the customer’s phone hears it. The customer’s TagPay account is debited and the merchant receives the payment on their bank account. Orange Money (Orange Telecom's mobile payment offer) uses NSDT™ and part of the TagPay platform to allow Orange Money customers to use their mobile for the purchase of goods and services in a store. E-Commerce Simple and secure mobile payments on the web. With a few clicks (and an NSDT™ “chirp”) anyone with a cell phone can make purchases online conveniently and in complete security. This revolutionizes online shopping by attaining “SIM card-present” security level and opening e-commerce to the billions of un-banked mobile phone owners. The TagPay e-commerce system is a secure online payments solution protected by NSDT™ technology, which allows merchant websites to accept mobile payments. This solution can be easily integrated into online commerce systems and websites. All existing cell phones can be used without prior enrollment or special apps. How it Works TagPay customers can make online purchases using their cell phone to sign for the transaction. The customer’s account is loaded through the various encashment channels built into the TagPay platform. To pay on the web: At checkout, the customer is redirected to the TagPay Online Payment System. The customer simply enters their phone number and secret pass code. TagPay verifies this information and calls the customer’s phone. TagPay sends an NSDT™ chirp through the web page and authentication is completed once the customer’s phone hears this chirp. Benefits E-commerce payments can be made using any mobile phone in the world Fast and painless online payments Extremely Secure—the phone must be present to sign the online transaction Simple to use—just answer a phone call and bring it towards the chirp Opens e-commerce to the unbanked Mike avoids exposing his sensitive account information on the web by using TagPay's e-commerce solution. His online shopping experience is not only secured thanks to his phone, it's also significantly faster and more convenient. Case Example PayFair is a European card scheme that uses the TagPay e-commerce functionality to process online payments. See PayFair's video below for a demonstration of how the e-commerce payment solution compares to traditional online card payments. Remittance Accessible money transfers from mobile to mobile Anyone with a cell phone can conveniently send, receive, and spend remitted funds. Funds can be sent instantly: on the web, with an agent, or on the go. Anyone with a cell phone can receive a money transfer. The recipient may retrieve cash or can spend funds directly in a store or on the web using their phone to secure the transaction. All existing cell phones can be used without prior enrollment or special apps. How it Works Sending Money Customers can send money with TagPay through three possible channels: By depositing cash with an Agent who performs the transfer for the customer. On the web via the TagPay client interface. By calling an Interactive Voice Response Server (IVR) and following verbal instructions to send funds. Customers who already have funds in their TagPay account can use channels 2 and 3. These funds are loaded on the web using a payment card or cash was deposited with an agent. In all three cases both the sender and recipient’s phone numbers are provided and verified for security and traceability. No prior enrollment is required of the recipient who is notified of the remittance by SMS (or other channels). Retrieving and Spending Money Recipients can withdraw the funds in increments or all at once at designated ATMs and cash-out locations. The recipient’s mobile phone must be present to authorize any withdrawal. Recipients also have the possibility of spending the funds received directly in a store or on an e-commerce website. NSDT™ is used to authenticate the recipient via their mobile when they make a purchase. Recipients can even send the money they receive to others. When spending funds on a website or in a store, the recipient is invited to enter his mobile phone number and pass code on the web page or merchant’s phone. TagPay instantly calls the recipient’s mobile phone sends an NSDT™ chirp through the web page or merchant’s phone. When heard by the recipient’s phone the transaction is completed. Benefits Money can be sent to any mobile phone in the world Extremely Secure—the phone must be present to send, withdraw, and spend funds Full traceability and transparency with built-in KYC to meet regulatory requirements Cost effective "cashless transfer model"—funds spent directly from the mobile reduce cash-distribution costs and creates revenue from merchant fees User-friendly and viral—several channels for sending and using money conveniently No paper, no plastic, no SMS, no hassle Aditya sends money to his family every month using his phone. He knows that in an emergency he can get money to his family in a simple phone call. His family won't have to travel far to pick up cash and can use their phones to pay for goods and services directly. Case Example MikeMusa operates a money transfer service between the UK and Zimbabwe. Clients in the UK remit money to recipients in Zimbabwe who can chose to withdraw cash, pay bills, buy airtime, or make purchases in various local and online stores. Salaries Secure and efficient cashless salary distribution TagPay offers businesses a secure and efficient means of disbursing salaries to their workforce. Any employee with a cell phone can receive their salary on a stored value TagPay account. They can withdraw cash from ATMs and storefronts or use their phone to buy goods and services without having to take cash out first. Any business can use this service and all existing cell phones can be used without prior enrollment or special apps. How it Works Employers can access and manage an online database of the cell phone numbers and salary details for each employee. They can manually disburse salaries through a web interface or set up automatic disbursements at regular intervals. When a salary is disbursed, the employee receives an SMS notifying him that his salary has been sent to his TagPay account. Using their mobile phone to sign transactions securely, the employee can: Spend their money securely on the web or at a point of sale using NSDT™ to authenticate the transaction. Pay bills or buy airtime using the money in their TagPay account. Transfer money to another person’s cell phone via IVR or on the web. Withdraw cash from an ATM or cash-out point. The phone must be present to authorize the transaction using NSDT™. Benefits Send salaries to any phone in the world Extremely Secure—the employee’s phone is required to receive salaries and use the funds Eliminates cash-carrying risks and logistics Convenient employer interface for managing salary disbursement No cash, no checks, no plastic, no hassle Alexi uses TagPay to pay his employees. All his salaries are managed and paid on a single simple interface. His employees have the flexibility of choosing where the funds they receive are placed and used. They can link their wallet to a bank account, withdraw cash whenever they need, send money to friends and family, and more! Case Example SAPH is able to avoid transporting and distributing large sums of cash by simply disbursing salaries to worker’s cell phones. SAPH is helping to implant a network of TagPay merchants in rubber producing communities to allow plantation workers to spend their salaries or get cash back from these points of sale. Ivory Coast is the leading producer of rubber in Africa and SAPH controls the production and commercialization of 70% of this natural rubber market. SAPH collects several thousand tons of raw rubber from plantations and pays plantation workers using TagPay. Related Use Case Governments can use TagPay to disburse pensions to unbanked populations. TagPay resolves security risks and costly logistics of distributing pensions in cash and gives those who receive pensions more control over how these funds are saved, shared, or spent. Bills Pay bills using your mobile phone: Wherever, whenever. With TagPay, anyone with a cell phone can pay their utility bills conveniently and in complete security. All utilities companies can offer uniquely flexible and accessible bill payment via TagPay to be sure their customers pay in a timely fashion at the lowest cost. TagPay bill payment is a secure 3 channel payment solution protected by NSDT™ technology and the customer’s mobile phone. This solution can be easily integrated into all utility payment schemes and can work in prepaid or postpaid mode. All existing cell phones can be used without prior enrollment or special apps. How it Works Customers can register their utilities providers with to their TagPay account to receive notifications by SMS and/or e-mail when payments are due. To pay a bill, the customer can use one of three channels: Interactive Voice Response service: The customer calls the TagPay IVR and follows verbal instructions to pay their bill. If the customer has registered their utility providers with TagPay, TagPay can associate the customer’s TagPay account with their bill and the customer simply confirms the amount they wish to pay and enters their pass code. Customers who have not registered their utilities with TagPay can register and pay in one step through the IVR. At a designated retail location: TagPay merchants may register with the utility service provider to accept bill payments at their point of sale. The retailer simply enters the customer’s phone number in the Bill function of the menu on the TagPay terminal. The customer’s bill details are sent to the merchant terminal and the customer can pay the amount due by entering their pass code and authenticating the transaction with NSDT™. On the Web: Utility company websites can offer payment by TagPay using the e-commerce solution. TagPay can also aggregate utility service providers on the TagPay website and collect payments using NSDT™ to authorize the transaction securely with the customer’s mobile phone. Bill payments on the web or in a retail location are NSDT™ secured through the following process: The customer simply enters their phone number and requests information on payments due To approve the amount and proceed to payment, the customer enters their TagPay pass code in the terminal or webpage TagPay verifies this information and calls the customer’s phone. TagPay sends an NSDT™ chirp through the webpage or retailer’s terminal and authentication is completed once the customer’s phone hears this chirp. Benefits Bills can be paid using any mobile phone in the world Extremely Secure—the phone must be present to pay a bill which reduces theft, fraud, and mismanagement User friendly and multi-channel accessibility Customer relationship management by profiling behavior and usage Carol pays her electricity bill using mobile money. Each month, the rubber plantation she works for pays her salary onto her mobile wallet. She uses part of her salary to pay her electricity bill and is sure that her power will stay on month after month. Case Example Moneytel is a money transfer and mobile payment service for Cameroon. This service includes international money transfers, bill payments, retail transactions for goods and services, air time top-up, and local money transfers. Airtime Buy minutes anytime, anywhere using TagPay Anyone with a cell phone can conveniently and securely buy airtime using the money in their TagPay account. Purchase airtime on the go, on the web, or with a TagPay agent. All three airtime top-up channels are multi-operator and all existing cell phones can be used without prior enrollment or special apps. How it Works Buying airtime on the go Customers can top up their airtime using money in their TagPay wallet by simply calling a short (free) number and following verbal instructions. Customers indicate the amount of airtime they wish to purchase and confirm this request by entering their TagPay pass code. Their TagPay account is debited and the airtime is automatically loaded to their phone. Buying airtime on the web Customers can purchase airtime on the internet using TagPay. This can be done through the TagPay website or on the telecom operator’s website using TagPay during checkout. When buying airtime on the web, the customer is invited to enter his mobile phone number and pass code on the vendor web page. TagPay instantly calls the customer’s mobile phone sends an NSDT™ chirp through the webpage. When heard by the customer’s phone the transaction is completed—the customer’s airtime is topped up and their TagPay account is debited accordingly. Buying airtime with an agent Airtime vendors can replace scratch cards or USSD operations with a low-cost TagPay terminal. This terminal can be used to load airtime for various mobile network operators. The terminal is activated by the airtime vendor’s own mobile phone using an NSDT™ authentication procedure. This ensures that only the vendor is able to sell the airtime. To sell airtime the vendor: Selects the mobile network operator that the customer wishes to recharge minutes from. Enters the quantity of airtime to be reloaded and the payment method (cash or TagPay). Enters the customer’s phone number and pass code if the customer is paying by TagPay. The vendor then clicks to validate the transaction. TagPay calls the customer’s phone and to receive the airtime the customer simply answers this call and brings his or her phone towards the vendor’s TagPay terminal. Once the customer’s phone hears the NSDT™ chirp through vendor’s terminal the airtime sale is completed and the minutes are loaded to the customer’s account. Benefits Airtime can be loaded to any mobile phone in the world Extremely Secure—the phone must be present to purchase and recharge minutes Low cost and rapid time-to-market 3 user-friendly channels for loading airtime No cash, no cards, no SMS, no hassle Mesi uses the money in her mobile wallet to buy airtime whenever she needs to place a call. She saves a trip to an agent to buy her minutes and appreciates the ease with which she can buy airtime wherever she is. Case Example The Motile service proposed by Ubuntu Resorts in Zambia offers its clients electronic loans that they can spend with partner merchants or use to buy airtime. The long term goal is to popularize this cashless form of payments for goods, services, and airtime as one of the dominant transactions methods for the unbanked throughout Zambia. ATM Withdraw cash from ATMs simply and securely via mobile phone Anyone with a cell phone can securely and conveniently use their phone to withdraw cash from an ATM. This revolutionizes mobile money by attaining “SIM card-present” security level and opening ATM services to the billions of un-banked mobile phone owners. All existing cell phones can be used without prior enrollment or special apps and all ATMs are NSDT-ready without any hardware modification. How it Works Customers TagPay customers can withdraw cash from ATMs using their cell phone to authorize the transaction. The customer’s stored value account is loaded through the various encashment channels such as salary disbursement, micro loans, and remittances which are built into the TagPay platform. ATMs Banks can offer cash withdrawals from their ATMs to all TagPay customers, regardless of whether the customer is banked or not. With a simple software installation any ATM can provide quick and user friendly mobile money withdrawals with similar ergonomics to card cash withdrawals. TagPay ATM Withdrawal Withdrawals using TagPay are done as follows: The customer enters their phone number and secret pass code in the ATM terminal. TagPay verifies this information and invites the customer to enter the amount of cash that they wish to withdraw. If the amount is authorized, TagPay calls the customer’s phone. As soon as the customer answers the call, TagPay sends an NSDT™ chirp to the ATM and the transaction is authorized once the customer’s phone hears it. The customer’s TagPay account is debited and the cash is delivered. In addition to offering ATM services to the unbanked, banks can offer mobile-enabled ATM services to their existing customers. By associating a customer’s phone number with their bank account, customers may use their phone to withdraw money from their bank account at an ATM. Benefits ATM services can be accessed using any mobile phone in the world Extremely Secure—the phone must be physically present to with draw cash from the ATM Simple to use—just answer a phone call and bring your phone towards the chirp Low cost and rapid time-to-market: no hardware deployment Opens ATM services to unbanked populations Carlos receives money transfers from his son directly to his mobile phone. He avoids long cues at the money transfer agency by withdrawing the cash sent to him from an ATM. Case Example Syrse has installed NSDT™ software on all the ATMs belonging to a group of banks in Tunisia. The service offered is called CasyCash and enables national mobile money transfer that use cash-out via the ATMs. Loyalty Effective tools to manage and build customer loyalty TagPay offers a set of tools designed to boost customer loyalty effectively via the mobile. TagPay offers two types of loyalty solutions: Prepaid account services and customer rewards services. Any customer with a phone can benefit from either type of loyalty program and use their mobile to redeem special offers or pay with their prepaid account. All cell phones can be used without prior enrollment or special apps. How it Works Customers can benefit from rewards on the web or in stores. Retailers can reach out to customers via SMS and e-mail with offers that are tailored to each profile. Prepaid account services Customers can save time and money by opening prepaid TagPay accounts with their favorite retailers. No prior enrollment is necessary. The customer simply deposits the prepayment in a retail point of sale or can load their prepaid account on the web using a payment card. When paying in a store or on the web the customer is invited to enter their mobile phone number. Any special promotions or discounts that the customer qualifies for are sent to the merchant terminal or website. The customer approves the amount due and enters their pass code. TagPay instantly calls the customer’s phone and sends an NSDT™ chirp through the terminal. When heard by the customer’s phone the transaction is completed and the customer’s prepaid account is debited. Customers can send money to other cell phones even if they are not yet enrolled—this is done on the TagPay website or by calling an Interactive Voice Response server. This simple and practical gift function makes TagPay prepaid accounts a highly viral loyalty solution. Customer rewards services Customers can use their cell phones to redeem various rewards in a store or on the web. To redeem rewards, the customer enters their phone number in the merchant’s terminal (or webpage). Any special offers that the customer qualifies for based on his or her profile, past purchase behavior, and retail settings are sent to the merchant’s terminal or web page. TagPay calls the customer’s phone and the customer brings their phone towards the terminal to capture the NSDT™ chirp and authenticate the presence of their mobile. Benefits Loyalty programs can be offered to any mobile phone in the world Highly secure and traceable—the phone must be present to pay or redeem rewards Insight into client preferences No paper, no plastic, no SMS, no hassle Drives customer traffic towards stores and brings customer relationship management to the point of sale Highly effective—sophisticated loyalty that targets customers based on consumption and preference profiles Femi pays by phone to redeem rewards in his favorite stores. He gets customized discounts on the products he buys often and stays informed of new offers and promotions. Case Example Mobile Network Operator, Orange uses TagPay’s loyalty solution to improve client acquisition, retention, and loyalty. Orange has constructed a network of retail partners where Orange clients are eligible for special rewards tailored to their customer profile. Orange clients redeem these rewards in partner retail locations using their phones and NSDT™ for authentication. Voucher Convenient gifts received directly on your mobile phone. TagPay offers a universal and secure way to give and spend gift vouchers on the web or in a store. Anyone with a cell phone can receive a gift voucher and spend it using their phone to secure the transaction. Any e-commerce website can offer this service and all existing cell phones can be used without prior enrollment or special apps. How it Works Sending a Gift Customers can send gifts with TagPay from an e-commerce website. At checkout the customer clicks on the TagPay button and is invited to enter the phone number of the gift recipient. Payment is made using the customer’s TagPay account or via the website’s checkout tool (e.g. paypal or google checkout). The recipient is notified of the gift by SMS (or other channels). Spending a Gift Using their mobile phone, the recipient can use their voucher securely on the web or at a point of sale. NSDT™ is used to authenticate the recipient via their mobile when they redeem their gift. Recipients can even share their voucher with others, sending all or part of their gift to another cell phone. When spending the voucher on a website, the recipient is invited to enter his mobile phone number and confirm the item to be redeemed. TagPay instantly calls the recipient’s mobile phone sends an NSDT™ chirp through the webpage. When heard by the recipient’s phone the transaction is completed. When spending the voucher in a store, the merchant uses their phone or a TagPay terminal to initiate the TagPay NSDT™ transaction. As on the web, the recipient’s phone is used to sign the transaction. Benefits Gifts can be sent to any mobile phone in the world Extremely Secure—the phone must be present to redeem the voucher Cost effective Drives online customer traffic towards stores and brings customer relationship management to the point of sale No paper, no plastic, no SMS, no hassle Magdalena sends her children gift vouchers to buy their books at the school store. This way she is sure that they will have money to buy their school supplies. Case Example Poilane is among France’s most prestigious bakeries. The Poilane website offers customers the possibility of buying bread and pastries online. TagPay vouchers are used to send gifts from the Poilane website that can be redeemed on the web or in the bakeries. Health Enabling effective and accessible health care TagPay offers a complete health management platform to serve remote and underdeveloped areas. The patient’s mobile phone is used as both the patent’s identifier and as the means of paying the health professional. TagPay Health allows the health service provider (insurance, medical organization, medicine distribution, etc.) to control field operations online and simultaneously manage the epidemiology, insurance services, and inventory. How it Works Health professionals are equipped with TagPay terminals that have a specialized health application. The terminal is used to enter basic health or treatment information and/or the price of the service. The patient’s phone number is also entered in the terminal to identify the insurance coverage or other relevant information. The data entered is verified and the terminal displays the amount to be paid by the patient and the amount covered by insurance. The patient can pay in cash or with the money in their TagPay wallet. The insurance company will automatically wire the amount covered to the health professional. Prepaid account services Patients with TagPay accounts can use the funds in their accounts to pay health professionals directly. Third party humanitarian organizations can interface with the health payment scheme to subsidize health services and/or ensure the payment of the health professional. Health services Once medical information such as consultations and treatments is tracked and centralized for each patient using very secure electronic mobile signature (TagPay Transaction), preventive medicine plans are possible. For instance, vaccinations can be logged and the outcome of basic checkups centralized. Consequently, the central server can detect risks and abnormal patterns and generate alerts that help identify specific treatments for a given patient. The ability to centralize, monitor, and flag health patterns dramatically improves health care as a whole. Benefits Better healthcare for all Simplified insurance processes Efficient and effective health delivery Improved efficiency and effectiveness for health professionals No paper, no plastic, no SMS, no hassle Centralized, online data updates for optimal health management Extremely cost-effective Digital and secure health management Amara is part of a womens' health group. They benefit from a state sponsored health insurance program delivered via mobile. They use their phone to sign in at community health meetings and to pay for doctors visits. Case Example In Mali, national health care programs are going to use TagPay to centralize health records, track medical history and services, and secure individual coverage using the mobile. All patients benefiting from treatment in Mali will use their phone to authenticate the beneficiary of the treatment, pull relevant records and health plan data, and pay for treatments received. References Tagattitude’s mobile money platform is built for emerging markets where the services it enables can have the biggest impact. Today, the TagPay platform powers mobile financial services in over 25 countries. Tagattitude proudly counts some of the most innovative and promising mobile money services amongst its clients. Projects Around the World LeWeb Nov. 2010: Tagattitude was selected as one of 16 finalists of LeWeb 2010 startup competition winning a seat at Europe's #1 internet event. March 2009: Tagattitude awarded Red Herring 100 Europe Winner. Red Herring June 2008: Tagattitude was awarded "top innovator" in the Vertical Market category at the GSMA Mobile Innovation Marketplace in Atlanta. GSMA Top Innovator March 2008: Tagattitude recieved the "Best Innovation" award at the Carrefour Innovation summit. Carrefour Best Innovation February 2008: Tagattitude won a "Mobile Innovation Award" during World GSM 2008 in Barcelona. GSM Mobile Innovation In the US NSDT™ is used as a physical access control solution. This solution is being implemented by Openways in hotels across the country allowing guests to use their own phones as room keys. Several major hotels participated in a successful pilot. Openways is the first online mobile key delivery service and has plans to deploy this solution massively in the US and beyond. Testimonials Mobipay (Kenya) shares their experience working with Tagattitude in this video testimonial. Tagattitude's team has continually provided MPESO with great support and was willing to customize their product to meet our needs. In particular, Tagattitude developed an application to allow massive payments, which is allowing MPESO to tap into the pension payments market and Tagattitude has worked together with several banks which are adapting their ATM’s to operate with MPESO through the TagPay mobile payment platform. MPESO achieved a very rapid time to market and is positioned to expand to several other countries” -Haroldo Montealegre, Director of MPeso Nicaragua “Tagattitude’s TapPay mobile payment platform has proven to be the ideal mobile money platform for MPESO. The TagPay platform’s ease of use and operation has allowed MPESO to quickly develop a working ecosystem and the security that TagPay’s NSDT technology provides has allowed MPESO’s customers and partners to become comfortable with and gain confidence in the mobile money concept. Mobipay Namibia shares their experience working with Tagattitude in this video testimonial. A Belgium-based European payment scheme called Payfair is using TagPay to secure e-commerce transactions and mobile payments at a point of sale. This payment scheme is positioned as a low cost and accessible service for retailers and their customers. The service has been launched in 2011. In Burundi, a local telecom operator is using the TagPay platform for its mobile money scheme. The mobile money scheme proposed by LeoCash offers retail payments, cash in and cash out via their network of agents, airtime topup, and money transfers. Tradicom has launched Moneytel, a money transfer and mobile payment service for Cameroon. This service includes international money transfers between Paris and Yaounde, bill payments, retail transactions for goods and services, air time top-up, and local money transfers. (www.moneytel.fr). In Colombia, the TagPay platform is used in an ongoing pilot involving all the major local banks. In this project TagPay is managing a nationwide payment scheme and electronic wallet. Mpeso targets the massive central american remittance market and creates a financial environment where remittances, salaries, pensions, and other funds received are used for mobile payments. Mpeso affiliates individuals and merchants and enables payment domiciliation. Instead of being exclusively “cashed-out” of the system, funds received can remain in the network as a prepaid account and are used to pay for goods and services. MPeso offers mobile money services in Nicaragua, Honduras, Costa Rica, Guatemala, and El Salvador. Tagattitude is working with several partners in Guatemala to roll out financial services for both the banked and unbanked markets. Tagattitude’s South African partner, Mobicash is rolling out TagPay in nine Southern African countries. Mobicash has collaborated with various local banks, PSPs, and telecom operators to launch complete mobile payment solutions targeting unbanked and under-banked populations. (www.mobicashonline.com). MobiCash Congo has launched it's service in Brazzaville in beginning of 2012 and the uptake is already promising. Tagattitude has launched a TagPay mobile payment service in various restaurants, taxis, and other businesses around Paris. For example, the famous Poilâne bakery uses TagPay to “send gift vouchers straight to your phone”. Poilâne gift vouchers are instantly available to be spent on the web or in one of Poilâne’s Parisian bakeries using a mobile phone. TagPay in France also allows Tagattitude’s team to experience the system as end users. In Portugal, Clipodromo is offering TagPay-based signature and payment services to reduce cash handling by gas delivery trucks throughout Europe. Gas stations provisioned by the trucks will be equipped with a TagPay1600 terminal and the driver's own phone will be used to sign the transaction. Tagattitude's local partner in Madagascar is preparing for the pilot of a new TagPay-based mobile money service. This service will target primarily unbanked populations and aim to increase access to financial services in Madagascar. Tagattitude is working with it's local representative, Tagattitude Nigeria, to equip existing and aspiring mobile money providers with TagPay-based mobile payment platforms. Two leading banks and a mortgage institution have completed successful pilots of various Tagattitude technologies including ATM withdrawals, POS transactions and mobile account management. Tagattitude is collaborating with social business promoter, Micious (www.micious.org), to build an innovative social business model in Mali. Together, they are creating a model that leverages TagPay’s technology in order to offer vital financial services to those who need them most, while being sustainable and replicable. This new structure will encourage the most accessible and efficient implementation of mobile payment for the poor. The ecosystem will be open to all market players and organizations such as the Malian Poste (national postal service) and various banks have agreed to participate. Beyond its own social business goals, TagPay Mali will serve as a resource for Tagattitude’s 35+ partners who are also deploying their own TagPay-based services in developing countries with a special focus on providing financial services to the Bottom of the Pyramid. E-Social Transfert is an innovative alternative to cash remittances that allows the Guinean diaspora to buy food for their families back home which can then be retrieved using the recipient’s cell phone. This form of food-specific remittance is a very attractive service for those who want to be sure that the money they send home is used to feed their family. E-social transfert has won numerous awards and is preparing to launch in the fall of 2011. Three different services use TagPay and/or NSDT™ in the Ivory Coast. TagPay manages the retail transactions for Orange Money's mobile payment scheme. The SAPH and Banque Atlantique useTagPay to deliver salaries to their 65,000 employees. Celpaid, an electronic money establishment certified by the Banque Centrale des Etats de l’Afrique de L’Ouest (BCEAO), uses the TagPay platform to offer a full range of mobile money services. Tagattitude’s South African partner, Mobicash is rolling out TagPay in nine Southern African countries. Mobicash has collaborated with various local banks, PSPs, and telecom operators to launch complete mobile payment solutions targeting unbanked and under-banked populations. (www.mobicashonline.com). MobiCash Congo has launched it's service in Brazzaville in beginning of 2012 and the uptake is already promising. In the DR Congo, Tagattitude’s partner Banalwizi is in the early stages of deploying a TagPay-based mobile money scheme. Through a network of Banalwizi cash points end users can load their “e-wallet” and then use the money in this account to make a range of transactions. (http://www.banalwizi.com) Tagattitude’s South African partner, Mobicash is rolling out TagPay in nine Southern African countries. Mobicash has collaborated with various local banks, PSPs, and telecom operators to launch complete mobile payment solutions targeting unbanked and under-banked populations. (http://www.mobicashonline.com). MobiPay is using TagPay and NSDT™ to break into the Kenyan market from a very interesting angle. They are offering Banks, PSPs, and others the ability to participate in an ecosystem and acquiring network that will inject new value and usage into the Kenyan market. By leveraging a strong relationship with banks and providing alternative mobile payment channels, Mobipay offers broader payment services that are open to banks as well as Mpesa and Zap. For more information visit http://www.mobipay.co.ke. Himbol Financial Services is preparing to launch the first mobile money service in Eritrea. Himbol has acquired a licence from the central bank of Eritrea for their service and is in the process of establishing partnerships and building up their agent and merchant networks in preparation for the service launch in 2012. Motile in Zambia offers a TagPay-based mobile wallet and network of partner merchants equipped with TagPay terminals. The wallet holder has access to credit at very low interest rates. Motile also offers airtime top up and other services using the same credit facility. The value proposition for customers is in the convenience and simplicity of the technology deployed to provide much needed credit. Mobipay’s TagPay-based financial services have been launched throughout Namibia since summer of 2010. Mobipay offers bill payments, airtime top up, stored value accounts, and retail payments to end users. Mobipay has experienced adoption in the Namibian territory and plans to extend their service to neighboring countries in the near future. (http://www.mobipay.com.na). The MikeMusa money transfer service uses TagPay to offer a more secure, accessible, and reliable money transfer service between the UK and Zimbabwe. Thanks to TagPay, MikeMusa can expand their business to include “cashless remittances” allowing the recipient of a transfer to use their phone to make purchases from merchants equipped with TagPay terminals. (http://www.mikemusa.com). Syrse has installed NSDT™ software on all the ATMs belonging to a group of banks in Tunisia. The service offered enables national mobile money transfer that uses cash-out via the ATM. MikeMusa: The MikeMusa money transfer service uses TagPay to offer a more secure, accessible, and reliable money transfer service between the UK and Zimbabwe. Thanks to TagPay, MikeMusa can expand their business to include “cashless remittances” allowing the recipient of a transfer to use their phone to make purchases from merchants equipped with TagPay terminals. (www.mikemusa.com). Turkey's largest Internet service provider TTNET is using Very Smart Authentication to secure access to wireless hotspots throughout the country. TTNET is a subsidiary of Turkey's leading telecom operator Turk Telekom and has around 6 million subscribers. By using NSDT technology TTNET ensures that hotspot access is securely accessible to authorized subscribers. Tagattitude has partnered with Burj Bank Ltd. (formerly Dawood Islamic Bank) to launch a new mobile money scheme in Pakistan. This bank-led service will be deployed in 2012 throughout Pakistan. Tagattitude’s partner, Mobicash is now active in India. Mobicash India has build and trained a network of Agents and is building partnerships with various local banks, PSPs, and telecom operators to launch their service in the coming year. Tagattitude’s Vietnamese representative proposes four applications in this market: strong web authentication, electronic signature services (e-commerce and point of sale), mobile payments (TagPay), and loyalty/rewards schemes and couponing. In Haiti, mobile money operator HaitiPay uses TagPay to offer mobile payment and remittances services. HaitiPay works with local partners including it's banking partner BNC Bank to provide the Haitian population with a new way to pay and transfer money. The service includes international remittances to Haiti and uses a local network of retailers and agents who accept mobile payments or facilitate cash-out. HaitiPay has built an incentive scheme into their mobile money services to encourage the consumption of locally produced goods and services. (http://www.haitipay.com/) http://techcrunch.com/2011/10/12/tagattitude-launches-nfc2-0-technology-and-no-its-not-actually-nfc/ “With NFC2.0, no special hardware is required, and it will work on any major smartphone platform, including Android, iOS, RIM’s BlackBerry and Nokia’s Symbian.” - TechCrunch, Oct 13, 2011 http://www.tagattitude.fr/en/publications/doc_download/57-nfc20-flyer Download PDF: TagPay includes several customizable smartphone applications for end-users and merchants/agents that use NFC2.0 technology. The administrative interface offers key service management functionalities such as fee/commission configuration, class of service definition, user creation, KYC validation, alerts, transaction reporting, merchant/agent invoicing, and more... A set of web interfaces for different user types is included in the TagPay Platform. There is also an online POS terminal interface allowing merchants and agents to make transactions from a secured web interface. All web applications are customized to the look and feel of the customer's brand. The Agent's web interface provides an "at glance" account status with the deposit account balance (available e-money float) and commissions earned. The agent's web interface also provides a detailed transaction log and access to employee management functionalities. The Merchant's web interface includes a complete transaction log and the ability to export this log to excel for accounting purposes. The merchant can also view a list of their clients who have prepaid accounts managed by the service with the corresponding balances. Past invoices can be downloaded as well. The Client's web interface offers a set of functionalities that vary based on the Class of Service that the Client belongs to. Clients can transfer money to others, send gifts, make cash transfers, load funds onto their account using a payment card, view transaction history, manage account details, and more. Merchants and Agents have access to a web application that acts as a POS terminal for making merchant/agent transactions. After securely logging in on a pre-approved computer, different transactions are proposed based on whether the user is a Merchant or an Agent and what Class of Service they belong to. Account logs are also available via this interface. TagPay includes a set of APIs that can be used to connect to an external Fee calculation module. For services that desire more complex fee and commissions algorythms than those provided by the internal fee calculating module, this API is used. This API is used to connect the external backoffice to TagPay. The API is typically called for pre-authorizations and transactions. TagPay can be used as the front-end connected to a external backoffice. This allows banking or other financial services with their own backoffices to use TagPay as a means of extending their services to the mobile channel. The POS APIs are available to connect existing POS devices to the TagPay platform. The e-commerce APIs are used to integrate the TagPay e-commerce tool into existing merchant websites. All e-commerce transactions are secured using NSDT to verify the presence of the customer's phone. This e-commerce tool allows online merchants to accept mobile money as a payment means on their website. Transaction TagPay includes an IVR for users to make transactions by calling the service number. The IVR messages are customized to the service's name and language. This API can be used to connect to a different IVR if needed. These APIs used to send transaction orders to the platform and to interogate the platform for account details. The Transaction APIs include APIs for Credit transactions, Debit transactions, and Account status requests. These APIs are typically used when an external transaction system (e.g. a USSD protocol) is used to transact on the accounts managed by the platform. Open Architecture Open architecture including a complete set of APIs allows you to develop or connect to other services to best fit your market’s unique needs. Service Management Highly sophisticated administrative and service management interfaces give you the ultimate service offering flexibility. A Service Class administration approach allows you to define parameters for customized user groups. Dedicated Interfaces Dedicated interfaces and access channels for agents, merchants, and end-users allow you to include different parties in your mobile money scheme and offer services adapted to their roles. Multiple user access channels (IVR, Web, Java, SMS/USSD, smartphone apps…) with customized interfaces allow you to define how users access and experience your services. Access Channels Transactional Capabilities Complete Range of Transactions Customization Best of Breed Technologies Revolutionary Business Model Debit, credit, ATM, POS, e-commerce, money transfers, savings, loans, and more! All managed securely in multiple currencies, languages, and using the fees you set. Any type of cell phone can make transactions, regardless of the telecom network it belongs to. TagPay gives you a modular platform delivered under your brand. You decide which services to offer and we provide you with dedicated support and consulting to get them up and running. TagPay brings you the best telecom and web technologies on an open architecture. These make your services highly secure and user friendly. http://www.tagattitude.fr/en/publications/doc_download/1-bank-in-a-box-brochure Download PDF: Download the PDF: http://www.tagattitude.fr/en/publications/doc_download/34-tagpay-applications 31 countries Nearly 40 platforms installed 8 commercially deployed services Dozens more piloting and preparing to launch Partners in Action Explore the TagPay universe... ... Pretty awesome, right? Twitter By using the mobile phone’s microphone as a captor and its audio channel as a transporter, NSDT™ offers immediate compatibility with any mobile phone. All transactions are made online and in real time to ensure a fully fraud-proof service. Transaction Revenue Simulator The Transaction Revenue Simulator (TRS) is designed to help you build your mobile money service and select the best business model for your service. The TRS takes into account your service's user base, local telecom costs, the types of transactions included in your service, and your business model to determine revenues that you will make on each type of transaction over a 4 year period.