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1. Cur SE s Loggesin os CST Agent 102 Logout Languages SYBASE 365 Customer Support Tool Moens SERVICES SELFCARE CUSTOMER CARE SYSTEM CONFIGURATION BULK PROCESSNG COUPON ADMIN USER MANAGER NOTIFICATION MANAGER REPORTS Customer Registration General Information First Memes 8 AeetMame o ma Gender Pease Select ixi Language Pease Select izj Date of Birth 0 CT Timezone Pease Sewe z Customer Type Pesse Select Address Informabon Street Address Street Address2 Mouse No City State Zip Country Pease Select amp Contact information MSISON 7 Into Mode None Email Security Intormabon Security Question Passe Select ml Security Answer Using the System Administration gt Fees option you can configure applicable fee types for payers and payees 20 Sybase Mobiliser Platform Portals PES Loggesi av CST Agent 102 Logout Languages SYBASE 365 D s uistor r Support Too MOBILE SERVICES Cu stomer gt UPPO tl ool M System Configuration Fees Fee Types New Fee Type Fee Type ID Name Beneficiary Process By Tan Please Select HER Include VAT Please Select Commission Fee Presse Select a See also Consumer Portal on page 19 e Distribution Partner Portal on page 21 Operations Dashboard on page 23 Distribution Partner Portal In the Distribution Partner Portal merchants and agents working on their behalf can set up2. Product Overview 5 Product Overview Mobiliser Platform applications that you can purchase separately which require the application server to run include e Sybase Money Mobiliser components Banking Mobiliser Payments Mobiliser e TopUp Mobiliser e Remittance Mobiliser e Sybase Mobiliser Reporting Module You can also develop custom applications to run with Mobiliser Platform Mobiliser Core Sybase Mobiliser Platform core components provide the infrastructure and tools for developing mCommerce applications The Mobiliser Platform core components are e Mobiliser gateway the infrastructure that exposes services to external systems Messaging framework provides the ability to send correspondence to customers Preferences standard mechanism for application configuration e Persistence layer stores and retrieves information from database systems and abstracts operations from other Mobiliser Platform components Reports uses the SAP Crystal Reports framework to generate and display reports e Events components have individual requirements for responding to specific states that may occur during the life cycle of requests and transactions Business Logic Sybase Mobiliser Platform offers functionality that is customizable for your business needs Sybase Mobiliser Platform implements these business logic features Security Financial transactions Invoice payments Customer auth
3. coupons exchange rates roles and privileges and notification messages They can also approve pending customer registrations wallet entries and transactions Merchants who have Money Mobiliser installed can use the Distribution Partner Portal In the portal you can manage existing customers register new customers perform airtime top up for a customer settle commissions and run number of reports Depending on your assigned roles and privileges you can create agent hierarchies The Distribution Partner Portal options are e Self care view assigned user name attachments to your user profile and a history of transactions that you have performed Customer service search for customers view transaction history update know your customer KYC information register new customers and add airtime minutes Bulk processing upload transaction data in CSV or XML format Manage agents create new agents edit existing agents and activate or delete pending agents You can also view the agent hierarchy Product Overview 21 Portals Reports generate reports in a variety of formats PDF CSV Microsoft Excel SAP Crystal Reports or RTF In addition to the read only self care services you can change your password SYBASE 365 partner Portal pte cm Tui Msn Horst US Lom Langages LD OG Welcome Te Your Mobitiser Portal Dee portal prefer pre Anetan for mans kos mm Ter ner accom Cap Para
4. services user application 14 settlement 16 smartphone applications 13 reference implementation 27 Smartphone Mobiliser 12 SMS applications 13 solutions 3 13 stop payment 8 SVA 3 T TopUp Mobiliser 7 11 transactions 14 transferring funds 10 U user application services 14 user profile management 13 V velocity conditions 17 vouchers 14 W Web portals Consumer Portal 19 Customer Support Tool 20 Distribution Partner Portal 21 Operations Dashboard 23 36 Sybase Mobiliser Platform
5. and supports user authentication and authorization Maker Checker Mobiliser Platform supports dual approval maker checker task flows which enable the validation of sensitive data For each service that supports dual approval the system defines a required privilege to start the service make and a privilege required to complete the service check However a user can always directly execute a service bypassing the dual approval process Some common scenarios for dual approval include Consumer registration when regulations dictate additional validation of know your customer KYC information Wallet entry additions for security reasons consumers and agents might not have permission to directly activate new payment instruments for consumers Transactions for sensitive transactions when the initiating agent is not the same as the agent completing the transaction Roles and Privileges Mobiliser Platform consumers can have one or more roles The standard roles are Money Consumer Money Merchant Top up Merchant and System Agent Mobiliser Platform distinguishes between business roles and security roles Businessroles correspond to a person s function in the context of an mCommerce product such as Mobile Wallet Mobile Money or Mobile Banking Business roles incorporate one or more security rules to allow users to perform business processes typical for a specific business role e Security roles enable Mobi
6. as soon as they are installed Bank employees can build collections of entitlements permissions and functionality that are defined gathered into single collections and assigned to users or groups of users Contact Points Banking Mobiliser contact points help consumers manage their devices Contact point features enable consumers to Register more than one device phone for the same account or across multiple accounts joint account owners can customize alerts and other features for their devices Sendatest message to a registered device consumers can confirm that their devices are properly configured during the enrollment configuration process e Mange device information consumers can create a custom name for the device establish a secret authentication word for SMS transactions and manage device alerts preferences Delete a mobile device phone consumers can delete a registered contact point Register alternate contact channels consumers can indicate to send alerts by another method such as e mail messages or custom interactive voice response IVR Product Overview 9 Product Overview Payments Mobiliser Payments Mobiliser simplifies consumers mobile commerce transactions at many merchant points permitting them to make domestic peer to peer payments to other consumers make remote and proximity purchases at merchant acceptance points pay bills and repay loans Payments Mobiliser provides opp
7. concluded within a few minutes including online checks against third party systems creating an active consumer in the system Account Balances and Transactions Consumers can view their account balances and latest transactions If a consumer s wallet has multiple payment instruments the consumer can select the account Distribution partners can view consumer master data and the balance of a consumer s stored value account Airtime Top Up Consumers can purchase airtime for a mobile device using funds in an account ATM Location Service Enables consumers to look up ATM locations Coupon and Promotion Receipts Mobiliser Platform can send coupons and promotional offers to mobile devices which can be exchanged for financial discounts or rebates when purchasing products Payments and Transaction Processing Mobiliser Platform manages payment and transaction processing Disbursing Disbursement is paying out funds Paying Bills Consumers can pay utility bills and repay loans Participating merchants can send bills into the bill payment system and accept payments You can set up bill reminders to be sent to mobile phones Consumers can configure bills to pay on presentment consumer specifies which payment instrument to use for the payment and sets an authorization threshold bills that fall below Sybase Mobiliser Platform Mobile Commerce Functionality the threshold are paid automatically on presentment consumer ca
8. end Mobiliser Platform provides a data model and APIs for easily creating new types of bulk processing files configuring the required privileges to create and approve bulk processes implementing appropriate file handlers which execute the file and dynamically integrating these into the front end Web applications Product Overview 17 Mobile Commerce Functionality 18 Sybase Mobiliser Platform Portals Portals Mobiliser Platform provides Web application portals that can be used by administrative personnel customer support agents merchants and consumers Consumer Portal The Consumer Portal includes functions for managing your Money Mobiliser account Consumers can manage their mobile wallets using multiple payment instruments such as bank accounts credit cards and stored value accounts SVAs CT DOEL ps Jane Doe 1392009900 Logeut Languages SYBASE 365 Consumer Portal n BRINGS is vase IRR onsumer rona Home Welcome To Your Mobiliser Portal Fr nds List This portal provides you functions for managing your Mobiliser account Change Pasaword Change Security Q amp A Change PIN Change Address Change Preferences Show History Contact Points Mobile Alerta se no s BAP ary Contact Support viat acor agenest wih muti sources OT lande for example Bara y Crest Cards and Stored Value Accounts Seit servce access to nfonmaton reated ta your walet such as accourt tances t
9. SYBASE ELT company Product Overview Sybase Mobiliser Platform 5 1 DOCUMENT ID DC01923 01 0510 01 LAST REVISED March 2013 Copyright 2013 by Sybase Inc All rights reserved This publication pertains to Sybase software and to any subsequent release until otherwise indicated in new editions or technical notes Information in this document is subject to change without notice The software described herein is furnished under a license agreement and it may be used or copied only in accordance with the terms of that agreement Upgrades are provided only at regularly scheduled software release dates No part of this publication may be reproduced transmitted or translated in any form or by any means electronic mechanical manual optical or otherwise without the prior written permission of Sybase Inc Sybase trademarks can be viewed at the Sybase trademarks page at AttpZ www sybase convdetail id 1011207 Sybase and the marks listed are trademarks of Sybase Inc 9 indicates registration in the United States of America SAP and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and in several other countries all over the world Java and all Java based marks are trademarks or registered trademarks of Oracle and or its affiliates in the U S and other countries Unicode and the Unicode Logo are registered trademarks of Unicode Inc All other
10. allation View the operational status of Mobiliser Platform servers Audience IT installation team system administrators involved in planning and system administrators responsible for maintaining and monitoring the operational efficiency of Mobiliser Platform Use after system installation Describes the Open Bank API which enables developers to use mBanking features in their smartphone applications Audience new and experienced developers Use after system installation Sybase Mobiliser Platform Documentation Road Map Document Description S Brand Mobiliser User Manual Brand Mobiliser Development Manual Brand Mobiliser State Developer s Guide Brand Mobiliser Using the USSD States Brand Mobiliser API Reference Use Brand Mobiliser to develop SMS applications using the Web UI and create events to act as triggers Audience developers responsible for creating applications system administrators and system control agents responsible for managing consumers Use for ongoing operation administration and maintenance of the system Develop SMS applications Audience new and experienced developers Use after system installation Develop custom SMS application states Audience new and experienced developers Use after system installation Develop custom unstructured supplementary service data USSD application states Audience new and experienced developers Use after system install
11. ation Describes the API you can use to develop custom mobile messaging applications Audience new and experienced developers Use after system installation Product Overview 31 Documentation Road Map Documentation for Partners Learn about our Partner documentation set Partner documentation is available through the partner program Document Description S Mobiliser Framework Architecture and Design Mobiliser Framework Development Guide Mobiliser Framework Installation and Configuration Money Mobiliser Architecture and Business Logic Money Mobiliser Customization Guide The architecture and core components of Mobiliser Platform Audience business analysts project managers and developers who want details about the Mobiliser framework Use during the planning and installation phase and throughout the product life cycle Extend Mobiliser Platform without Money Mobiliser specific functions and features Audience solution experts platform designers and developers who work on and extend the persistence and business layer of Mobiliser Platform Use after system installations Install and configure Mobiliser Platform Audience IT installation team training team system administrators involved in planning and any user installing the system Use during the planning and installation phase Describes the Money Mobiliser architecture and business logic To better understand the a
12. biliser Allows customers to use their mobile phones as microbanks serving all basic banking services that demand instant information for example to enquire about account balances configure notifications on account activity or threshold alerts and manage accounts Payments Mobiliser Enables consumers to make domestic peer to peer P2P payments to both known and unknown customers make remote and proximity purchases at various merchant acceptance points pay bills and repay loans TopUp Mobiliser Enables consumers to top up their own or another mobile phone share airtime within a network and transfer airtime across borders directly from their handset and pay electronically from any location at home or in the street or to pay by cash in a shop Remittance Mobiliser Allows consumers to send money across borders to an intended beneficiary manage friends lists buy remittance vouchers online from an agent or any retail location and initiate money transfers from an agent location a wallet or a bank card account Product Overview 7 Product Overview Money Mobiliser Web Portal Applications Consumer Portal Consumers can register manage accounts manage friends lists set credentials transfer funds and top up airtime Customer Support Tool Used by customer support agents to manage customers agents notifications and coupons Also configure exchange rates roles privileges and transaction fees and limits Distribu
13. ble client and Synthesis TookKit STK It works on any mobile device on any network language and currency It is modular highly scalable standards based and customizable It creates a new convenient communication and transaction channel that customers can use anywhere anytime This consumer platform enables enterprises financial institutions and mobile operators to leverage the mobile channel to Engage customers by expanding existing relationships and creating loyalty and acquiring new customers Enable a mobile transaction channel by making it simple and convenient for customers to make purchases pay bills and transfer funds Reduce the costs of servicing customers while maintaining direct and effective customer communication and service Product Overview 1 Acquire and Retain Customers with Sybase Mobiliser Platform 2 Sybase Mobiliser Platform Mobiliser Platform Solutions Mobiliser Platform Solutions Sybase Mobiliser Platform introduces new revenue streams attracts customers increases loyalty increases overall average revenue per user ARPU and reduces operational costs for mobile operators and financial institutions It also opens up new customer segments in emerging markets by establishing a low cost channel Mobiliser Platform is certified as an official Mobile Money vendor by the GSM Association and is developed in compliance with Payment Application Data Security Standards PA DSS Mobiliser P
14. ce mechanisms Banking Mobiliser features include Contact points enable consumers to manage their devices 8 Sybase Mobiliser Platform Product Overview Account management consumers can activate their accounts and transmit account history Mobile alerts create new alerts and manage existing alert subscriptions Foreign exchange FX currency lookup from login page provides a direct link from the login page to look up FX currency exchange rates Consumers can go to the currency exchange Web site without logging in e Stop payment services consumers can submit a stop payment instruction from within a channel e Location based services based on zip code lookup consumers can find branch and ATM locations for their bank Device detection mobile Web applications detect incoming browser resolution and optimize the user interface based on screen size and device Open Bank API The Open Bank API integrates with Banking Mobiliser The Open Bank API provides multiple levels of security All communication between Mobiliser Platform and banks takes place over VPN tunnels and HTTPS is used for application layer encryption If supported by the partner bank a mutual SSL handshake is recommended in which the client Mobiliser Platform and the server partner bank authenticate themselves with cryptographic certificates Service Packages Banking Mobiliser service package modifications go into effect
15. company and product names mentioned may be trademarks of the respective companies with which they are associated Use duplication or disclosure by the government is subject to the restrictions set forth in subparagraph c 1 ii of DFARS 52 227 7013 for the DOD and as set forth in FAR 52 227 19 a d for civilian agencies Sybase Inc One Sybase Drive Dublin CA 94568 Contents Acquire and Retain Customers with Sybase Mobiliser Eig 1 Mobiliser Platform Solutions 3 Product OVervie Wi io ENE Ee rdc Drak ov du ae ip Eee XE cO A AR HA 5 High Level Architecture esses 5 Mobiliser PRIO Ma ooi tas eo An MR eke ED e 5 Mobiliser Core ss se ER EE nana ea 6 Business Logic ER ke ES He aies ut 6 Platform Runtime amp idee EREMO 6 Mobiliser Database ssseesssss 7 Money Mobilieer EG GE 7 Banking Mobiliser doo aote e ente 8 Payments Mobiliser sess 10 TOPUP MODIISET une 11 Remittance Mobiliser 11 Brand Mobiliser cordon EA N A dE 11 Smartphone Mobilisef EE EER EE Ek GR ee gee 12 Mobiliser Reporting Module 12 Mobile Commerce Functionality 13 Multichannel Access sesse ee n 13 User Profile Management esse ee ee ee 13 User Application S
16. ed when he or she initially logs in to the Consumer Portal e A preconfigured buddy which you can configure in the friends list Friends lists enable consumers to manage their beneficiaries for peer to peer P2P transfers remittance airtime transfer and airtime top up transactions The list stores the MSISDN the name and nickname of each participant e Abankaccount This requires the user to enter details of the destination bank account and the amount to be transferred The transaction is executed after the sender confirms the transaction You can create bank account lists to avoid entering account details for every transfer request 10 Sybase Mobiliser Platform Product Overview Merchant Support Consumers can pay merchants using any payment instruments held in their wallets Money Mobiliser offers a SOAP Web service based interface for merchants The interface can be customized to the needs of the merchant Money Mobiliser delivers a number of reference solutions in common programming languages All interfaces are secured with SSL HTTPS Some interfaces include a public key infrastructure PKI in which servers and clients are authenticated by certificates TopUp Mobiliser TopUp Mobiliser enables consumers to top up airtime on their own or any mobile phone share airtime within a network and transfer airtime across borders directly from their handset or via automatic rules paying electronically from home or in the street
17. entication Account management system Audit manager Platform Runtime The Mobiliser Gateway provides common interfaces for defining security for services dynamically at runtime Mobiliser Gateway is the infrastructure that exposes services to external systems You can configure privileges for mobile consumers in a protocol independent way 6 Sybase Mobiliser Platform Product Overview Mobiliser Gateway provides a simple XML interface for client applications and a single point of entry to send correspondence to customers Mobiliser Database A Sybase Mobiliser Platform database must meet testing and certification requirements The Mobiliser Platform database captures and stores data for Customers names and phone numbers PINS and passwords and payment instruments Payment instruments instrument types restrictions booking and settlement modes Transactions types success or failure authentication and the life cycle of transactions e Fees payers and payees fee types amounts exchange rates and currency Limits daily weekly and monthly limits and total debits and credits Invoices payable invoices amount due currency status and due date Money Mobiliser Money Mobiliser provides a state of the art mCommerce solution that gives member bank consumers the ability to bank make payments and transfer money through a mobile device Table 1 Money Mobiliser Components Banking Mo
18. ervices 14 Payments and Transaction Processing 14 Multiparty Settlement sesse esse 16 APIE RS EE EE RE DE eM GEH one 16 Fees and Limits OR EE rer 17 COUPONS SEE qe oA cA ELA Ge LEE 17 Bulk Processing RR o Mta o m md 17 POrlals mM AE o 19 Consumer Portal EE EERS REED Mau 19 Customer Support Tool 20 Product Overview iii Contents Distribution Partner Portal ese ste 21 Operations Dashboard 23 ee NN 25 Maker Checker ss 25 Holes and PHvileq s siii cos rennes 25 Customization 2 1 c ccce ccc erc croce re certc ere cere e ee ee reo ei ee 27 Reference Implementation 27 Documentation Road Map 29 Documentation for Partners sseuusss 32 r2 dam c RER 35 Sybase Mobiliser Platform Acquire and Retain Customers with Sybase Mobiliser Platform Acquire and Retain Customers with Sybase Mobiliser Platform Sybase Mobiliser Platform is a state of the art service oriented architecture SOA for dynamic real time integration and rapid application development The solution empowers mobile operators and financial institutions to quickly launch mobile commerce services to their customers in both developed and emerging markets Mobiliser Platform offers support for mobile channels including short message service SMS unstructured supplementary service data USSD mobile browser downloada
19. fees during transaction processing for the payer and the payee Commissions considered negative fees which can be shared across the value chain as part of a fee Limits can be assigned to each customer and to each payment instrument There are daily monthly and absolute limits for the sum of all credits and the sum of all debits Restrictions the system verifies restrictions concerning the number of transactions in a given time frame You can set restrictions on specific transaction types merchants merchant categories or customer groups Velocity conditions number of transactions per time frame for example maximum of 3 remittance transactions per 12 hour period Coupons Mobiliser Platform enables retailers and manufacturers to upload coupons so that consumers can receive them on their mobile devices Coupon administrators can upload batches of coupons or create new coupons Users can search or browse for coupons and add them to their accounts or coupons can be added automatically by a back office user Coupons can be delivered to individual or multiple customers Bulk Processing Mobiliser Platform includes bulk processing capabilities for customer registrations and deactivations and transaction processing perform and cancel Customers upload files through the Distribution Partner Portal for transaction processing or Customer Support Portal for customer data changes For implementation in the back
20. he sender s choice the remittance can be sent to an agent location for pick up or credited to a wallet or bank card account of a participating bank Vouchers Consumers can buy electronic vouchers or physical scratch cards in a shop and send money via their mobile phone to any bank account that is linked to Mobiliser Platform or to a mobile phone You can use vouchers to pay bills transfer money and top up airtime Since vouchers represent a real value managing vouchers requires security and validation measures Voucher codes are always encrypted Product Overview 15 Mobile Commerce Functionality Multiparty Settlement Sybase Mobiliser Platform includes a complete account management system that supports a clearing and settlement engine and general ledger capability Booking When a financial transaction successfully completes the account management component retrieves all the transaction data and creates a single booking for each part of the financial transaction The transaction itself is split into a debit and a credit booking The same applies to all fees related to a transaction Each booking affects one account Clearing Clearing closes all open bookings that match the specified criteria and creates payment entries in the database The clearing frequency determines the interval at which an account is cleared daily weekly or monthly Clearing can be done hierarchically meaning that multiple payment instruments are clea
21. id accounts including cash and airtime as source Product Overview 3 Mobiliser Platform Solutions 4 Sybase Mobiliser Platform Product Overview Product Overview Sybase Mobiliser Platform provides mobile commerce solutions to financial institutions mobile operators and merchants enabling mobile users to bank buy pay and remit money using a mobile device High Level Architecture Sybase Mobiliser Platform is a fully integrated system that consists of a back end database a set of application services as a middle tier and several front end Web applications for configuration management and utilization It is based on the Open Services Gateway initiative OSGi modular architecture The Mobiliser Platform solution offers several user interfaces including SMS USSD Mobile Web and interactive voice response IVR Brand Mobiliser Server Based paid SMS USSD Smartphone Services Money Mobiliser Payments Remittance Airtime Top Up Banking Services Service Layer Back Custom Integration Layer End Core Banking Credit Card Remittance Airtime Systems Acquiring Systems Providers Recharge Mobiliser Platform Sybase Mobiliser Platform provides a service oriented architecture for dynamic real time integration and rapid application development The Mobiliser Platform product out of the box includes The Mobiliser Platform application server Sybase Brand Mobiliser e Sybase Smartphone Mobiliser
22. isrupting service availability The Brand Mobiliser Processing Engine is designed to serve the continued growth of mobile messaging traffic The node architecture is designed to manage billions of messages daily and Product Overview 11 Product Overview is suitable for deployment to cloud infrastructure such as the SAP Java Platform as a Service JPaas Brand Mobiliser is based on the Open Services Gateway initiative OSGi modular architecture and is fully extensible using the provided APIs Plug in components can integrate with both existing enterprise systems and third party systems using a service oriented architecture Smartphone Mobiliser Use Smartphone Mobiliser to develop smartphone mobile telephone applications for the Money Mobiliser platform Smartphone Mobiliser is a reference application framework that runs out of the box with any Money Mobiliser server The framework uses familiar Web technologies that are likely to be used within any Information Technology department The underlying mobile development framework is Adobe PhoneGap which is an open source multiplatform mobile application framework Build a PhoneGap application using e HTMLS to specify the structure of the application e Cascading Style Sheets CSS to design the look and feel of the application e JavaScript to implement the applications logic Mobiliser Reporting Module Sybase Mobiliser Reporting Module is based on the Java Reporting Componen
23. latform deployments are certified by the Payment Card Industry Data Security Standard PCI DSS Both standards are set by the PCI Security Standards Council Mobiliser Platform offers additional value added services including business consulting for go to market strategies mobile marketing services and business intelligence for continuous analysis and improvement Mobile Banking Mobile Banking enables financial institutions to extend customer interactions to the mobile channel This extends the reach for eBanking customers from Internet banking to the mobile channel Sybase mBanking 365 is available in Retail Small and Medium Enterprise SME and Business banking editions Mobile Money Mobile Money enables financial institutions to offer services to the unbanked entirely through mobile channels branchless banking e Enables financial institutions to reach new customer segments beyond the reach of existing Branch and ATM networks e Partners agents and merchants can monitor and manage servers register new customers and top up airtime Mobile Wallet Mobile Payments creates new services to mobilize payments peer to peer payments remittances airtime transfer mobile top up and purchase content Mobile wallet support enables the funding of payments from bank accounts credit debit cards phone bill and other electronic funding sources e Stored value account SVA support enables the funding of payments from prepa
24. le Wallet users to perform actions such as allocating airtime Security roles are used throughout Mobile Wallet to restrict both system access and the execution of business processes You can customize user management by assigning roles and privileges to consumers Not only can you customize roles and privileges for each consumer you can also customize the scope of each privilege Product Overview 25 Security 26 Sybase Mobiliser Platform Customization Customization You can extend the business and persistence layer of Mobiliser Platform by developing customized components Mobiliser Platform is based on the OSGi modular architecture and aspect messaging provides the ability to execute custom features You can develop functional aspects that plug into an application dynamically without interrupting service Aspect messaging uses the Session Initiation Protocol SIP Compared to HTTP servlets SIP servlets offer several advantages enabling telecommunication between clients and servers initiating requests generating multiple responses for a single request and communicating asynchronously Using the Mobiliser Platform built in capability for customizations you can develop components to interface with external services Services make business logic publicly available either as a single business logic action or as an orchestration of actions Services are published through the Mobiliser Gateway and are also available for inte
25. liser Platform provides extensive capability for managing user profiles You can use Mobiliser Platform tools to configure user profiles User registration captures all the know your customer KYC data required to identify a customer during the registration process User authentication with multiple credentials consumers use PINs for mobile device authentication and passwords in Web portals Manage and link credit cards authoriz a credit card for payments and transfers Manage stored value accounts SVAs authorize an SVA and set limits Change a user s PIN or password reset a consumer s PIN or password Change a user s address update a home secondary or e mail address Change security questions and answers used for authentication Manage user preferences consumers can select their preferred language choose whether to receive marketing messages and select which channel SMS or e mail to use for notifications Product Overview 13 Mobile Commerce Functionality User Application Services User application services enable mobile consumers to access services Registration Enables consumers to sign up using various channels Internet Mobile Web or Smartphone clients The data that is captured depends on national regulations and processes The mobile phone number is usually the central piece of data because this is how Mobiliser Platform identifies consumers Consumer registration can usually be
26. look and feel Product Overview 27 Customization SAPA Logout amp Welcome Demo Ww MEW SEND MONEY REQUEST MONEY TE AIRTIME TOPUP PAY BILLS COUPONS 28 Sybase Mobiliser Platform Documentation Road Map Documentation Road Map Learn about the Mobiliser Platform and Brand Mobiliser documentation sets Document Description S Mobiliser Platform Release Bulletin Information about known issues and updates The document is updated periodically Audience IT installation team training team system administrators involved in planning and any user who needs up to date information Use during the planning and installation phase and throughout the product life cycle Mobiliser Platform New Features New or updated features Audience all users Use any time to get an overview of the new features available since the last release and pointers to where they are documented Mobiliser Platform Product Summarizes all Mobiliser Platform features Overview Audience all users Use any time to learn about the platform architecture and its high level features and functionality Mobiliser Platform Supported Hardware and software on which you can run Mobiliser Hardware and Software Platform Audience IT installation team training team system administrators involved in planning and any user installing the system Use during the planning and installation phase Mobiliser Platform Glos
27. n also initiate a request for payment from another registered customer Paying Merchants Consumers pay at merchants using any payment instruments held in their wallets Processing Payments Supported capabilities include Customer authorization the Mobiliser Platform authorization process is transparent Mobiliser Platform has internal security measures no external systems are required Capture using the Distribution Partner Portal you can view transaction details e Authorization cancellation an agent with correct privileges can cancel open authorizations so no funds are transferred Refunds an agent with appropriate privileges can refund captured transactions fund transfers that have already taken place are reversed e Advice of charge informing customers about a charge that will be made to their account if they use a requested service Sending Receiving Transferring Money Consumers can transfer funds between payment instruments in their wallet for example from a credit card to a bank account or SVA or from one bank account to another Consumers can deposit funds into their SVA as cash from a voucher Western Union transfer or from a bank or credit card account Remitting Funds Enables consumers to send money across international borders to an intended beneficiary Senders can manage their friends lists initiate money transfers from an agent location from a wallet or from a bank card account At t
28. or paying with cash in a shop TopUp Mobiliser optimizes distribution costs and transparency for virtual goods such as airtime or credits and provides convenient top up mechanisms via any channel Remittance Mobiliser Remittance Mobiliser enables consumers to transfer money and airtime internationally Remittance Mobiliser enables consumers to initiate money transfers from an agent location from a wallet or from a bank card account At a sender s request a remittance is advised to an agent location for pick up or credited to a wallet or bank card account of a participating bank Remittance Mobiliser airtime transfer enables consumers to send mobile credit from their mobile phone or through retailers to their friends and relatives across borders Brand Mobiliser Sybase Brand Mobiliser enables consumers to use their mobile phones to interact with mobile applications by sending and receiving SMS messages Brand Mobiliser makes it easy for companies to mobilize all aspects of their businesses including brand awareness customer relationship management CRM mobile banking mobile payment and mobile commerce using mobile messaging The Brand Mobiliser Web UI provides tools for visually composing a mobile application testing it using a built in simulator and deploying it to the processing engine ready to be used by mobile consumers You can modify applications in real time to meet changing business needs and redeploy them without d
29. ortunities to create new service potential to mobilize payments topups and customer specific content Payments Mobiliser interacts more efficiently and effectively with consumers via any mobile channel managing the user experience along the entire customer development life cycle Bill Payment Payments Mobiliser permits consumers to make domestic peer to peer payments to other consumers and pay bills Consumers specify which payment instrument to use for a payment and set an authorization threshold bills that fall below the threshold are paid automatically when received Consumers can also initiate requests for payments from other registered customers A request creates an invoice in Payments Mobiliser that is payable by the other customer Fund Transfers Payments Mobiliser allows consumers to transfer funds using a mobile device Consumers can transfer funds between payment instruments in their wallet for example from a credit card to a bank account They can also transfer money from their stored value accounts SVAs to e Another user s SVA A consumer enters the recipient s MSISDN the amount and optionally reference text in the message field A summary of the transaction appears the consumer must confirm the transaction before it executes Anunregistered consumer without an SVA The recipient is informed via SMS that money is being sent and an SVA is generated for the recipient s MSISDN The recipient s account is activat
30. ransaction mslery accout aed card management Ba payments Remittance te a merchants accourt oF 10 an Agent ban repayments acd aime tmo Manage s Frerds asa F amy ist and your owen personal mfermaten amp ecurty and preterences Abos tlodikanr Semion Tien Ta 28 1 Self care services that consumers can perform include e Recovering lost passwords Viewing transaction history Managing payment instruments Managing friends lists Managing bank account lists Changing passwords Changing preferences Configuring bill payment rules Topping up airtime Adding funds to an SVA SYBASE z7 Product Overview 19 Portals Sending or requesting money See also Customer Support Tool on page 20 Distribution Partner Portal on page 21 e Operations Dashboard on page 23 Customer Support Tool Agents can use the Customer Support Tool to manage Money Mobiliser customers and agents You can also create and manage coupons and notifications Customer support agents can also configure exchange rates roles privileges and transaction fees and limits Within the portal the notification manager enables you to create edit and delete message templates and attachments These templates can be used to send messages to a customer via SMS or e mail in multiple languages Using the Customer Care Customer Registration option you can register anyone as an administrator agent consumer or merchant
31. rchitecture first read Mobiliser Framework Architecture and Design Audience business analysts project managers and developers Use any time to better understand the product Describes the most common customization tasks done in Money Mobiliser Audience developers who want to modify and add logic and services to Money Mobiliser Use after system installation 32 Sybase Mobiliser Platform Documentation Road Map Document Description Money Mobiliser Alerts WSDL Money Mobiliser Service Catalogue Money Mobiliser WSDL Service Catalogue Describes how customers register for and receive alerts Audience mobile messaging customers Use after system installation Listing of Money Mobiliser services Audience Money Mobiliser developers Use for ongoing system development Listing of Money Mobiliser services in WSDL Audience Money Mobiliser developers Use for ongoing system development Product Overview 33 Documentation Road Map 34 Sybase Mobiliser Platform Index A account management 8 16 administration 19 alerts 16 applications mobile Web 13 smartphone 13 SMS 13 architecture 5 ATM locations finding 8 B Banking Mobiliser 7 8 contact points 9 bill payment 10 booking 16 Brand Mobiliser 11 bulk processing 17 business logic 6 business roles 25 C clearing 16 commissions 17 components core 6 Consumer Portal 19 contact points 8 9 core component
32. red to a single account Settlement Results of the clearing process are payments which are exported as either settlement instructions to a financial institution or reconciliation files to a third party Payment instructions include a payment method with the details necessary to perform the payment For example if a payment method is a credit card the payment instructions include the payment amount the card holder s name billing address account number and expiration date Reconciliation Compares two sets of records to verify they are in agreement used to ensure that the money leaving an account matches the actual money spent Alerts If you register for alerts Mobiliser Platform sends notifications to your mobile device You can set up alerts for e Account balances threshold alerts or periodic balances Fraud for example if an unauthorized user tries to access your account e Account events withdrawals deposits transfers and so on General notifications customizable by users In addition to modifying alert preferences consumers can chose their preferred delivery method SMS or e mail and modify alerts settings via their mobile device 16 Sybase Mobiliser Platform Mobile Commerce Functionality Fees and Limits Mobiliser Platform enables you to configure fees limits and restrictions on transactions Configurable Mobiliser Platform attributes are e Fees Mobiliser Platform calculates
33. rnal consumption through the OSGi service registry This makes it easy for tasks event handlers and other components to call Mobiliser Platform services in memory without going over HTTP You can customize Data model customer and transaction data Business logic develop connections to new payment instruments intelligent networks exchange rate providers and authentication interfaces Service orchestration extend existing service orchestrations and add new ones To replace or extend functionality you can deploy customized components on top of the existing Mobiliser Gateway Reference Implementation Mobiliser Platform application is a reference application framework that runs out of the box with any Money Mobiliser server The framework uses familiar Web technologies that are likely to be used within any Information Technology department The underlying mobile development framework is Adobe PhoneGap which is an open source multiplatform mobile application framework The reference smartphone application connects to the back end server and includes a set of features Banking Mobiliser provides mobile banking functions with various service levels e Core Money Mobiliser provides basic mobile wallet functionality and alerts e Open Bank API allows signing in via a third party banking system and managing checks various bank accounts and favorites The application has a standard and easy to navigate
34. s 6 coupons 17 Customer Support Tool 20 customization 27 D database platforms supported 7 device detection 8 disbursing 14 Distribution Partner Portal 21 documentation partner available upon request 32 documentation road map 29 Index dual approval 25 F fees 17 Forex currency lookup 8 functionality 13 fund transfers 10 H high level architecture 5 L limits 17 maker checker 25 managing accounts 16 user profiles 13 merchant support 11 merchants paying 14 messaging framework 6 mobile alerts 8 Mobile Banking 3 Mobile Money 3 Mobile Wallet 3 mobile Web applications 13 Mobiliser gateway 6 Mobiliser Gateway 6 Mobiliser Platform documentation set 29 overview 5 Money Mobiliser 7 multichannel access 13 multiparty settlement 16 O Open Bank API 9 Operations Dashboard 23 Product Overview 35 Index P paying bills 14 payments 14 Payments Mobiliser 7 10 bill payment 10 fund transfers 10 merchant support 11 portals Consumer Portal 19 Customer Support Tool 20 Distribution Partner Portal 21 Operations Dashboard 23 privileges 25 processing payments 14 transactions 14 product details 5 profiles user 13 R reconciliation 16 reference application 27 reference implementation 27 Remittance Mobiliser 7 11 remitting funds 14 reporting 12 restrictions 17 roles 25 runtime 6 S security 25 security roles 25 self care services Consumer Portal 19 service packages 9
35. sary Terms for Mobiliser Platform components Audience all users Use any time to learn term definitions Product Overview 29 Documentation Road Map Document Description Mobiliser Platform Installation Guide Mobiliser Platform Developer Guide Smartphone Mobiliser Applications Sybase Money Mobiliser Customer Support Tool User Manual Sybase Money Mobiliser Distribution Partner Portal User Manual Sybase Money Mobiliser Consumer Portal User Manual Sybase Money Mobiliser Operations Dashboard User Manual Sybase Mobiliser Platform Open Bank API Reference Install or upgrade Sybase Mobiliser Platform Check the Mobiliser Plattorm Release Bulletin for additional information and corrections Audience IT installation team training team system administrators involved in planning and any user installing the system Use during the planning and installation phase Develop and customize smartphone applications Audience new and experienced developers Use after system installation Manage customers agents notifications and coupons Audience customer support agents Use after system installation Register new customers and add airtime topups Audience distribution partners Use after system installation Describes the Web portal in which consumers can manage their own accounts Audience Money Mobiliser customers who want to implement a portal for their consumers Use after system inst
36. t JRC and the Crystal Reports Viewer SDK Mobiliser Platform provides ad hoc online reports and asynchronous reports Standard reports answer questions across daily weekly and monthly time periods such as How many customers tried to sign up via which organization unit How many customers were activated successfully How many ofthe successfully activated customers have become active with a transaction How many transactions were run successfully e Why did transactions fail e For how many subscribers with failed transactions do we have phone numbers so we can reactivate them e Which merchants have successfully run transactions Through which merchants channels were customers referred Sybase Mobiliser Platform Mobile Commerce Functionality Mobile Commerce Functionality Sybase Mobiliser Platform includes a set of standard capabilities used in mobile commerce solutions Multichannel Access The Mobiliser Platform multichannel access system allows you to execute your business and transactions securely from anywhere with the help of a mobile device Smartphone applications download to smartphones such as iPhone Android Blackberry and others Mobile Web applications hosted on Mobiliser Platform and run on mobile devices SMS applications Short Message Service SMS is a text based mobile communication system that allows the exchange of short text messages User Profile Management Mobi
37. t to Ananasi Canne vu mere spre wes IE TE ET eend WE tmm OT rem BEE ER IT CRETE ou tartanes haler b sat p DL aa CETTE poetene bernje pos mpera Me ad qos tjm NPs met d rewon F Er ORE EI em SYBASE 1 7 The Customer Services gt Cash In option lets consumers transfer money to their SVAs through a distribution partner You can earn commissions by performing cash in transactions SYBASE 36 vore mag osten UR ungt ange ed eds Partner Portal Conner Sameh Commoner Cas ba tane ure Sce O Passe ener me amoum of me Caah ip wanaaction COTE Canoe Dess COT ennon MAP mn Comet heme Aba dier hee Pena BEE ue SYBASE 2 The Manage Agents gt Commission Management option enables distribution partners to pay commissions to their acquired distribution partners 22 Sybase Mobiliser Platform Portals E Laeta e Test Money Hagar NI Logoer Languages SYBASE 365 Partner Porta Mosar Stewicts D SEL CAME CUSTOMER SERVICES BILK PACES manis AGENT REPORTS Agit E Commission Management Mama Cire Howard Prodr nie COTE SOA PENE 20 000000000 SVA Baines ao KO Agent Commission Saam courge Commissio Store oet Create Sub Agent Transaction Commis mon Mara gemeet nnt LORS Temeser Money SettermentFrequey Disly Opa Camere akse A ceat Last Comes woa Setterrent oF Core Contat Sepgert Abest Wiser Sesso Tec 4 51 Mees SYBASE ar See also Consumer Portal on page 19 Customer Support Tool on page 20 Opera
38. tion Partner Portal Distribution partners can manage existing customers register new customers top up airtime for a customer validate pending customer registrations settle commissions and run reports Depending on assigned roles and privileges they can create agent hierarchies Operations Dashboard Partners agents and merchants can monitor and manage servers in a deployment manage and administer preferences track system level details and control jobs See also Consumer Portal on page 19 Customer Support Tool on page 20 e Distribution Partner Portal on page 21 Operations Dashboard on page 23 Banking Mobiliser Banking Mobiliser creates cost saving potential to mobilize consumers with bank accounts and enables new services to mobilize the unbanked Banking Mobiliser can be deployed by banks in developed and emerging markets It allows consumers to use mobile phone as microbanks serving all basic banking services that demand instant information for example balance requests notifications on account activity or threshold alerts and account management Banking Mobiliser allows customers to transfer funds between their accounts transfer money to an account at another institution and pay bills Banking Mobiliser integrates all mobile channels and optimizes banks approach to mobile messaging It creates low cost payment ecosystems in emerging markets to empower the unbanked with savings money transfer and microfinan
39. tions Dashboard on page 23 Operations Dashboard In the Operations Dashboard you can view the operational status of Mobiliser Platform servers set preferences and change passwords The Operations Dashboard supports operational monitoring requirements It is intended to be used by agents from all service participants and merchants and by service providers for troubleshooting issues The Dashboard is a Web application that operates on all data retrieved by the message gateway Mobiliser Platform server information in the dashboard includes System and environment Mobiliser requests Data access Messaging and channels Events Tasks Trackers Product Overview 23 Portals SYBASE 1365 ODEON m Ore ont Manager dr begeer kangerger 5 Pr de Operations Dashboard Server Css memene watos B Geseem Settings Neu va Argon Cotes fouet Ver Server Seat Hearne STAT va ma LE roser 3 Comes Deu C Pvegere tremeoet Copre t Tabs Cost 20 Cros TIETE henne Ti Coe Tens Cisse ienest Count Penh Count EXC Sessio Open Cove c Open Sphere Coure Session Ouse Court d 1 toneg Was teen Osado Query lanouton tate 08 23 Min Request uration amp Jet RE TE LE EER Toraen 14 2e name SYBASE 1 27 See also Consumer Portal on page 19 e Customer Support Tool on page 20 Distribution Partner Portal on page 21 24 Sybase Mobiliser Platform Security Security Mobiliser Platform secures sensitive data
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