Mobile Wallet Features

August 2016
Mobile Wallet
MobiPay knows how to make your business
closer to your customers

www.mobipay.uaSimple and secure
What is mobile wallet?
Mobile Wallet is a service that allows users to manage
digitized values (offers, coupons, rewards within loyalty
programs, ticketing, boarding passes, gift certificates, ID-
cards or information about products and services) of
different brands and makes it possible to make
payments (with bank accounts, bank cards, and
electronic money)

Mobile wallet features
v Micropayments
v Mobile commerce
v Shopping
v Payments to service providers
v Hotels reservation and
payments
v Entertainment
v E-tickets
v Urban transport
v Boarding tickets for trains,
buses and planes
v Tickets for events
v Geolocation-based offers and
services
v Coupons, certificates, deals and
promotions
v Loyalty programs
v Mobile store
v Money transfers
v Personal information
v Rewards management
v Electronic prescriptions, etc.

Using mobile wallet within promotional campaigns
• Instant customer check-in in place of
promotion (for off-line) by scanning the
QR-code
• Getting rewarded online by sending
bonuses to bonus account through
scanning a QR-code (on the package,
within the package, in certain places on
the trading floor, on the leaflet, catalog,
etc.)
• Recording chances to participate in prize
drawings in bonus wallet (one QR code
reading = one more chance to participate
in the drawing)
• Online promo communication with
customers via smartphone push-
notifications
• Communicating with customers via
messenger built in the mobile wallet
Possibilities of using mobile wallet for
promotion
• Target audience includes owners and
active users of smartphones (shift towards
younger and wealthier audience)
• Better responsiveness during promotional
campaigns (all promo mechanics works in
real time)
• Historization (the entire history of
interactions within the promo campaign is
stored and available for viewing)
• Unlimited possibilities for gamification
(visualization, using features of personal
account)
• Personalization of promo (contact details
and web-based profile of all promo
participants is available online)
Advantages of using mobile wallet for
promotion

Mobile wallet is designed to meet the needs of the
following market segments
v Banks, insurance companies
v Retail merchants (stores)
v Small retailers (kiosks, markets)
v Retail manufacturers
v Retail service providers
v Cafes, bars, restaurants
v Fast-food outlets, coffee shops
v Fuel stations
v Taxi services
v Delivery services
v TV and Radio companies, holdings
v Political parties, trade unions and civil society organizations
v Web-resources and online stores
v Organizers of exhibitions, fairs, festivals and other events, closed or semi-closed
v Manufacturers and distributors of self-service terminals

Advantages of mobile wallet (1/2)
q Convenience
q Quick payments for
purchases
q Benefits are always at hand
q Useful reminders (for
example, about validity of a
coupon that expires soon)
q Geolocation triggers
q Data analysis
For end-users For marketers
q Good traffic generator off-
line
q Increased conversion rates
(for coupons, messages, etc.)
q Ability to update content and
offers in real time
q Less expensive marketing

Advantages of mobile wallet (2/2)
Additional earnings
from financial services
Strengthening the brand –
customers contact your brand
more frequently while using
the wallet’s payment
functionality
Reducing
the servicing time
Growth of innovation and
differentiation from
competitors through the use
of unique technologies
Increased customer loyalty
through the introduction or
modernization of the loyalty
program
Growth in sales
of related goods
For business

Benefits of the project for the owners
1) Extra revenues from all financial transactions via mobile wallet (payments to
service providers, buying tickets, and card-to-card transfers). Agency fees up to
0.5%
2) Saving time and transactional costs through the implementation of self-service
3) Increase in quality of customer service and loyalty by providing partners and
customers with modern and convenient communication channel and payment
instrument
4) Increase in overall sales and profit growth as a result of sales in online store.
Online sales are driven by quick and easy online authentication via the mobile
application, possibility of customer segmentation, and communication on-line via
the app, as well as by instant online payments with cards linked to mobile wallet.
5) Extra incomes from lending. Agent fees paid by banks can be up to 7% of gross
loans issued. The role of the wallet operator is to generate leads (loan
applications). In addition, the possibility of buying in installments can boost sales
in the retail network as well as online sales

Market analysis: drivers
Convenience and
accessibility of
technology
Growing importance of
value-added services
Security
Increased level of
smartphone
penetration
Growing coverage and
usage of 3G and 4G

Market analysis: stoppers
Habits and stereotypes M-wallet dependence
from a smartphone
battery level
Wallet dependence on
3G and 4G coverage
Marketing – is this
notification or spam?
Investments and issues
related to the market
launch

Mobile wallet services (1/4)
Possibility to pay for goods and services with Visa and Mastercard cards,
linked to a wallet, without the physical presence of plastic card by reading the
QR-code, generated in the online store, or any external QR-code (on a check,
on a product, etc.)
Possibility of quick authorization on the website, check-in a retail store using
QR-code scanning with simultaneous transfer of information to identify the
client
linked to a wallet, without the physical presence of plastic card by reading the
QR-code with mobile phone built-in scanner
linked to a wallet, without the physical presence of plastic card through reading
the QR-code from a mobile phone by scanner of another mobile phone

Possibility to make a remote pre-order in mobile wallet with card payment,
followed by a visit to a store, fast servicing procedure and receiving the order
Possibility to place an order in mobile wallet with card payment, followed by
order delivery to the address stored in the customer’s web-passport
Ability to self-service in a store, when a customer himself scans bar codes of
the goods using his mobile phone and pays with a bank card linked to his
mobile wallet
Possibility to submit an e-ticket at events, exhibitions, fairs, trade shows and
concerts with option to withdraw admission fee (ticket cost) from the card
connected to customer’s mobile wallet

Possibility to submit a digital loyalty card from the cell phone screen; ability to
accrue and write off bonuses or their analogues (dedicated bonus account
(bonus wallet) linked to a customer’s mobile wallet)
Possibility to make card-to-card money transfers with mobile wallet without
entering card details (using recipient’s phone number from a contact list if
linked cards are available)
The possibility of buying train tickets (with a complete choice of features) with
payment by a card linked to a mobile wallet
Possibility to pay in favor of service providers (refilling mobile account, utility
payments, payments for TV, internet, etc.)

Possibility of applying for a loan. In case the application is approved, the loan
funds can be deposited directly on the card, which is linked to mobile wallet.
Possibility to look up the nearest store with geolocation service. A customer
sees the distance to the nearest store and its operation hours
Possibility of personalized communication with customers on-line in the
wallet messenger, as well as ability to send push notifications (both servicing
and promotional)
Digitization of existing loyalty cards, developing and launching a new loyalty
program

How it works (registration) (1/4)
A client downloads the app from Google Play or AppStore, registers his
wallet and sets the PIN-code for quick and easy login
1
Your
brand
Your brand
Your brand

The main menu consists of widgets that are configured to the needs of
the client by himself
2
Your brand Your brand

Each wallet has a unique customer ID and contains a WEB-passport with
the required personal data
3

The customers enters the "My Cards" section and adds his own payment
cards by entering card details
4

How it works (additional services) (1/4)
A wallet owner can apply for a consumer loan right from their wallet mobile
application. If the application is approved, the customer gets money right to his card1

P2P transfers can be done by selecting a recipient from the contact list, or
by entering the recipient's card number
6

Customers can pay in favor of large number of service providers right from mobile
wallet, using the payment cards they have linked to the wallet
7

The customers can buy train tickets with the choice of a particular seat in
the car of the train
8

Additional features: NFC
Convenient and secure data storage and secure contactless payments
available on mobile devices
NEW
mWallet NFC platform:
Is made to replace plastic cards with their digital analogues,
In line with the EMVCo tokenization specifications and Visa &
MasterCard.
Is based on the HSE (Host Card Emulation) technology (supported by
Android OS).
NFC Card emulation mode enables NFC-enabled devices such as
smartphones to act like smart cards, allowing users to perform
transactions such as payment or ticketing.
NFC can be well adapted for all kinds of situations, successfully
replacing bank cards, transit passes, movie tickets, reward systems and
even keys
Storing payment information in mWallet app provides a safer
environment than a physical wallet. This technology allows the
customer to load multiple cards and choose which one they wish to use
for each transaction. Not only does this save time, but it also reduces
the chances of losing a payment card that comes with carrying multiple
cards around

Additional features: MasterPass
Download Mobile Wallet
from AppStore or Play Ma
rket on your device
Add your payment cards and
complete your profile
Click the “Buy with
MasterPass” and open M
obile Wallet on your
device
Scan the QR code on the
merchant’s website and sel
ect your payment card
Secure shopping
is guaranteed
One-Click Connection is the unique solution from MasterCard and MasterPass that is
used only in Ukraine and Turkey

Instant servicing in a comfort of a car:
fueling the car
Customer case #1 (for fuel stations)
Scan a QR-code at the gas station, without leaving your car1
Select the fuel brand and indicate quantity in the mob app2
Confirm the calculated amount3
Pay with the card linked to your mobile wallet4
Get bonuses on the bonus account5
Wait for the tank to be filled with fuel6

Save time and money: purchasing fuel*
right in your mobile app
Customer case #2 (for fuel stations)
Select fuel brand1
Indicate quantity2
Confirm the calculated amount with a discount depending on volume3
Get liters to your "account in liters"5
Write off liters from your account at the next refueling6
* The same pattern can be applied to the wholesale purchase of goods and services (coffee cups, car washing, etc.)

Save time by using pre-order en route,
before visiting a pharmacy, fast food, etc.
Customer case #3
Make your order in product catalog directly from the application1
Confirm the time for visiting a store3
Check in the store on arrival by scanning a QR code4
Get your order5

Customer case # 4 (for manufacturers)
Each pack of potato chips contains a unique QR-
code. When a customer scans it, she gets a certain
amount of cash back to her wallet as a reward for
the purchase. This so-called direct loyalty program
by the manufacturer. In their turn, the
manufacturer receives the customer’s data from
her WEB-passport, necessary for analysis of
promo-campaign performance. In this case, these
can be gender, age and address.
The customer can use the accumulated cash back amount at her discretion. For example, the
money can be withdrawn from the wallet to a bank card. Also, the money can be a source
for refilling mobile account, for buying e-ticket or for paying utility bills.
Bonuses can be paid to a customer instead of real money. Thee bonuses may be converted,
for example, into special gifts from the manufacturer, into souvenirs or real goods. In
addition, any game mechanics can be built in the bonus calculation logic.

Customer case # 5 (Incentives for watching
commercials on TV)
As a part of a television
advertising campaign, the
advertiser offers a cash
bonus or other form of
reward to anyone who
watches this infomercial
and scans the temporary
QR-code which appears on
the screen during the
broadcast.
The code is unique for each display, and its lifetime is limited to a couple of seconds. The
total reward fund is fixed and it is distributed equally among those who scanned QR-code.
Information transfer from WEB-passport and ways of using accumulated rewards and
bonuses are similar to Case #1.

Customer case # 6 (Showcase catalog on the walls of
subway stations)
A catalog of promotional products of
nearby supermarket can be
showcased on the walls of subway
station. Each item has its unique QR
code. A customer scans the codes and
simultaneously pays for selected
items. Delivery address is transferred
automatically from the customer’s
WEB-passport to a delivery service,
and the purchase is sent directly to the
home
The customer leaves the subway and goes home, passing the supermarket and, thus, saving
time. As the customer comes home, delivery service delivers the purchased goods. Each
purchase brings bonuses to the customer. These bonuses can be used as a payment at the
next shopping time.

Customer case # 7 (Hunting for QR codes in retail
outlets)
As a part of the promotional campaign, a
producer of a particular brand or a
merchant provides valuable gifts or cash
prizes to those who scan QR-codes. QR-
codes can be placed in new locations, and
the customers should locate them on
shelves of a store. QR code can be one-
time and expire while scanned once.
QR-codes can be placed at promoters; and promotion mechanics can be based on drawing.
This technology allows to collect data about everyone who took part in the promotion and
also to ensure seamless delivery of gifts and prizes to all the winners without dangler
associated with collecting and entering information about the recipient and delivery
address.

Customer case # 8 (A product catalog that sells )
A product catalog contains a unique
QR-code next to each item. This code
allows a client to use their mobile
wallet to order the goods and to pay
with Visa or MasterCard card, linked to
the wallet, in only a few clicks.
Simultaneously with the payment for
the goods, the bonuses are accrued to
the buyer’s account; these bonuses can
be spent at the next purchase.
Due to the unique technology of WEB-passport, the catalog owner will get not only new
orders and sales increase, but also the customer details including their contact data as well
as pre-defined set of client parameters.

Customer case # 9 (Live voting and payments)
You can vote for selected talent
show participant not only by
calling or text messaging but also
by scanning a QR code from a TV
screen. The money will be written
off your Visa or MasterCard card
linked to your wallet.
Unlike SMS or call, our technology allows us to differentiate payment - an infinite number of
various cost options.
In addition, the customer voting through WEB-passport technology can gather information
about the audience who votes.
The same mechanics can be applied to any quizzes, contests, activities implying live
payments.

August 2016
Vladimir Budanov
Sales and Marketing Director
Kiev, Ukraine
Email: volodymyr@mobipay.ua
+380.67.578.06.14
https://www.linkedin.com/in/volodymyrbudanov
Mikhail Miroshnichenko
Co-Founder
Kiev, Ukraine
Email: mikhail@finovatestudio.com
+38.068.331.95.03
http://ua.linkedin.com/in/michaelmir/
Thank you for attention!
Please contact us for more information

Mobile Wallet Features

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