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www.mchek.

com

mChek is a mobile based secure authentication and payment platform that is both simple to setup and easy to use. It has enabled customers to use their mobile phones to make payments and for money transfers anywhere and at anytime through a variety of financial instruments including credit cards, debit cards and bank accounts. mChek is currently live on Airtel in India and Dialog in Sri Lanka. mChek won the prestigious GSMA Global Mobile Awards 2008 for Best Billing and Customer Care Solution at Barcelona Some of the key advantages of the mChek platform are

Processes: The mChek process has passed the rigorous Payment Card Industry's Data Security Certified
Standard (PCI / DSS 1.1) and has also been certified ISO 27001 / BS7799 compliant.

Simple Integration:

mChek architecture ensures seamless integration into the already deployed infrastructure of mobile operators, banks, merchants and clearing systems thereby preserving the roles and business processes of each of the ecosystem players.

Security: mChek is the only solution to be certified by VISA International to be a secure (card Enhanced
present) transaction for internet / remote merchants.

Independent: mChek has a suite of products that ensures that consumers can use mChek Handset
across all GSM phones and a CDMA version will be rolled out soon.

Multi-channel Experience: The customer experience is simple, easy and consistent across Consistent
multiple channels like customer mobile, merchant mobile, E-commerce site, IVR applications, Call-center PC processes, ATM, POS, etc.

Schematic Diagram of mChek Mobile Payment Solution


B: Approve Payment

A: Channels to initiate transaction


POS Merchant E-commerce Terminal ATM on Mobile Website

Customer

4. Receipt to customer

1. Payment Request by merchant / customer, across multiple channels

3. Customer authorizes with mChekPIN

mChek Channel Integration Platform

Telco Operator SMSC

mChek Mobile Payments Platform


Transaction Authorization Request Transaction Authorization Response

Payment Gateway

Bank 1

Bank 2

Bank 3

C: Payment Processing
T: +91 80 4179 5900 mChek India Payment Systems Pvt Ltd F: +91 80 4150 1510 W: www.mchek.com M: marketing@mchek.com

www.mchek.com

The mChek Advantage.


1. Web / Remote Transactions: mChek brings the security of 'card present' transactions to the world of ecommerce thereby reducing fraud and minimizing charge-backs. A mChek user provides his mobile/proxy number to the merchant, who initiates a mChek payment request from his mobile phone. When the user authorizes the please pay request with his mChek PIN, mChek sends a payment confirmation to both the user's & the merchant's mobile phones, thus completing the over-the-counter transaction. IVR / Call-center payments: Consumers can transact through call-centers and IVR without sharing their sensitive card information and by only giving the mobile number to transact. A mChek user selects mChek as the preferred payment option and provides his mobile/proxy number to the call centre agent, who initiates a mChek payment request. When the user authorizes the please pay request with his mChek PIN, mChek sends a payment confirmation to the call centre application, thus completing the IVR / call centre transaction. Utility Payments: Consumers can pay their utility bills like telephone / mobile bills, electricity bills, annual insurance payments, etc at their convenience anywhere anytime. A mChek user can initiate utility payments by sending an SMS to a short-code (e.g. PAY AIRTEL 1250 to 458), received by the mChek mobile payments platform which sends a please pay request to the user's mobile phone, who can then authorize the payment with his self-secured mChek PIN. The entire utility payments experience is non-intrusive for the end user. Mobile Mall: The mChek mobile payments platform makes mobile-malls a reality by bundling payments processing with a mChek-hosted, searchable & mobile-optimized content management platform that is available on a mobile device. End user tagging, rating & content sharing also pave the way for intelligent & targeted ad insertion. The possibilities for the mChek USSD mall are manifold from brands-malls to location-based and community malls, from deals to gift registries, etc with the content being accessible from all mobile phones via their USSD browser. This also enables operators to negotiate and offer exclusive deals to some or all of their customers. The process for making a payment for a mChek mall item is the same as other mChek payments. VISA Money Transfer: mChek provides a platform for enabling convenient VISA money transfer across a mobile device, that is compliant with existing regulatory practices in India. A mChek user with a bank issued mChek VISA debit/prepaid card can make a payment to another mChek user with any VISA card. The process is initiated by the sender sending an SMS to a short-code (e.g. PAY 9198123981213 1578.23 to 458) and authorizing the please pay request with his mChek PIN. OTC Payments: mChek mobile payments platform enables a privacy-protected, fraud free transaction where consumers can transact without revealing their card details by using only their mobile. A mChek user provides his mobile/proxy number to the merchant, who initiates a mChek payment request from his mobile phone. When the user authorizes the please pay request with his mChek PIN, mChek sends a payment confirmation to both the user's & the merchant's mobile phones, thus completing the over-the-counter transaction. Mobile Banking: mChek's security model (i.e. secure mChek PIN), technology (i.e. open architecture) and serviceprovider connectivity make mobile banking extremely easy for banks to integrate with and customers to use. Although the gamut of mobile banking offing via mChek are bank dependent, mChek possesses the technology & processes to support balance inquiry, mini-statement requests, check inquiry, bill payments, etc.

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mChek offers its Payments & Secure Authentication solution in the following three convenient ways:

mChek (No application, server-side wallet) - A application-less server-side wallet that uses combination of SMS and USSD or IVR to initiate and fulfill transactions. A customer can register on mChek website / on his phone to avail of this service. ii. mChek SIM Application - A secure application on the customer's SIM card (STK), uses SMS as the communication protocol. The application is available as a SIM swap from Operators. mChek application hass been certified by leading SIM manufactures like Gemalto, G&D, Oberthur and Syscom making it available for immediate deployment by Telcos. iii. mChek Smart Application - A secure application on the customer's Java-enabled mobile phone, uses SMS or HTTP as the communication protocol. The application can be downloaded by sending an SMS (WAP Push, OTA using GPRS/Edge) or from mChek / partner websites. i.

T: +91 80 4179 5900

mChek India Payment Systems Pvt Ltd F: +91 80 4150 1510 W: www.mchek.com

M: marketing@mchek.com

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