Mobile Money

Money sender and receiver Mobile operators Financial institutions

�Mobile Wallet – a convenient solution to receive, store, send money and pay merchants or bills everywhere at anytime. It targets both banked and unbanked users for a daily usage. From standard micro-payment to full banking experience, Oberthur Technologies provides a customisable solution for mobile operators and banks.

�Money Transfer – a universal service to trans-fer money from mobile phone to mobile phone, domestically or abroad, facilitating interoperability and easy connection towards financial institutions and mobile operators.

�Air Time Transfer – a smart service to transfer air time domestically or abroad, designed for commercial street reload or for private transfer.

�Mobile Banking – a unified and secure access to banking services like statements, bank transfers or trading tools through mobile phones.

Mobile MoneyPay, send and receive money with your mobile phone – at home and abroad The mobile phone represents a cost-effective solution to increase access to financial services. Mobile Money services offer secure and convenient means for banked and unbanked people to pay, send and receive money, everywhere at any time. Coexisting with other financial services, they provide users with new options for local cash-in or cash-out, micro-finance and bill payment operations.

A full set of Mobile Money services

Oberthur Technologies provides a customisable solution to mobile operators and banks wanting to deploy services such as mobile banking in de veloped or developing countries, branchless banking or any other mobile money programs. This solution is based on 4 main offers:

Ecosystem benefits

�Access to financial services at any time

�Use a convenient service for small purchases or bill payments

�Benefit from lower remittance fees than with traditional means of money transfer

�Receive, store and transfer money thanks to a secure solution

�Offer a real payment service

�Benefit from a new revenue stream based on transaction fees

�Attract subscribers with a differentiating service

�Increase customer loyalty thanks to a personal money service

�Facilitate access to airtime purchase

�Gain unbanked customers in emerging countries with attractive service

�Capture market share of remittance services worldwide

�Reduce operational costs

�Answer to a growing demand from customers

Ten years of experience and continuous innovation

Oberthur Technologies’ Mobile Money solution results from a strong expertise in software development, project management and deployment of turnkey solutions. This solution can be integrated in-house or operated from Oberthur Technologies’ data centres, relying on our unique and complete Managed Services offer. As a reco-gnised leader in innovative technologies, we can also propose enhanced end-user experience for mobile financial services with NFC.

�User interface – a full set of secured, convenient and intuitive interfaces compliant with the widest range of handset models (based on mobile applications or STK menus).

�Secure gateway – sensitive transactions like mobile transfers require specific ciphering measures to comply with security regulations and to prevent fraud. The Secure gateway ensures data encryption for an end-to-end security.

�Mobile wallet platform – Oberthur Technologies’ solution manages individual wallet accounts for customers, merchants or companies. The solution offers sophisticated agents network management and hierarchies functionalities as well as commis-

sioning and bonuses rules definition. The solution also offers a complete set of tools for anti-money laundering and central banks controls compliancy.

�Mobile banking platform – Oberthur Technolo-gies’ solution acts as a secure mobile channel to bank account and bank back-end systems for all types of banking services creation such as bank account consultation or cheque-book requests.

�Hub connectivity – hub connectivity extends the reach of the Mobile wallet platform. Oberthur Technologies’ hub software offers to its customers the technical capability to connect to chosen partners, opening corridors to send and receive money abroad.

Oberthur Technologies’ comprehensive technical offer

Secure gateway Hub connectivityMobile wallet platform

Bank

Money transfer operator

Other service providers

Mobile operator

Bank back-end system

HSM

User interface

Mobile bankingplatform

www.oberthur.com

©2012 Oberthur Technologies. All rights reserved. Specifications and information subject to change without notice. The products described in this document are subject to continu-ous development and improvement. All trademarks and service marks referred to herein, whether registered or not in specific countries, are the property of their respective owners. February 2012. Version 1 Revision 0.

Oberthur Technologies respects the environment.The number of printed brochures produced by the company has been significantly reduced to save paper. Printed documents are produced on FSC-certified paper using aqueous inks to reduce environmental impact. Datasheets are available in electronic format only.

Oberthur Technologies is certified ISO 9001: 2008

65 references worldwideGlobal OTA product rangeLatest technologies such as BIP and OTA platform upgrade for NFC

Software development expert in UNIX, C, C++ and Java environmentsDeployment of turnkey solutions

Technology trusted by more than 250 mobile operatorsOne of two industry leaders worldwideLatest technologies already available

A leading supplier of MasterCard and VisaTrusted partner of over 5,000 banks and financial institutionsExpert in security (EAL4+, MasterCard, Visa)

Best partner to offer ‘NFC Now’, a complete NFC suite combining payment, transport and loyalty services

Expert in Smart Authentication, Mobile Money and Secure Application Suite

Full suite of certified payment applets (Visa payWave and qVSDC, MasterCard PayPass, CUP qPBOC, Amex ExpressPay, JCB J/Speedy)

Full suite of certified transport applets (MIFARE, Calypso…)Full suite of user interfaces (mobile applications, midlets, Smart Card

Web Server…)

Trusted partner for hosting sensitive informationMore than 20 years’ experience in personalisationUnique global tool for all kinds of personalisation of all smart card products

Solutions operated from Oberthur Technologies’ data centresHigh availability service and 24/7 support and maintenanceSecured and certified environment

Over 5,700 employees worldwideOver 30 service centres covering 5 continentsMore than 770 million smart cards personalised per year

A solution development expert

10 years’ OTA platform supply experience

An international SIM card vendor

An innovation-oriented partner

An application specialist

A leader in secured personalisation

A managed services expert

Global and local support capabilities

Oberthur Technologies has a unique experience to provide Mobile Money

A major actor in the payment market