Mobile Operators
Overview
One world, one mobile commerce solution
hyperWALLET’s global-grade payment platform provides any Mobile Network Operator (MNO) the opportunity to offer a wide range of innovative and exciting new mobile payment service capabilities to their subscriber base.
Whether you have an existing mobile payment service in place, or are in the early-stages of launching one, hyperWALLET can provide your MNO with the necessary technology and operational services infrastructure to allow you to make your product launch a resounding success.
Centralize your mobile commerce initiatives
hyperWALLET allows MNOs to unify a mobile commerce initiatives under a single mobile commerce platform while supporting a variety of partner service models.
Because hyperWALLET technology processes and clears both international and domestic transactions alike, an exciting new range of mobile payment functions, convenient prepaid payment options, and expanded business services can now be
introduced to your customers.
Mobile Commerce Platform
Highly configurable mobile financial services
The hyperWALLET platform is a highly configurable solution delivering
MNO-specific, turnkey applications for all payment service types, such as:
- Mobile wallets
- Mobile banking
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- Utility accounts
- Pre-paid card programs
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Through these services, all transaction types are supported, including:
- Check balance
- Transaction history
- Send money
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- Airtime top-up
- Bill payments
- Merchant payments.
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Key Benefits:
- Platform: leverage a patented, highly configurable mobile commerce platform and related mobile financial services
- Turnkey: launch MNO-specific, turnkey applications for a variety of mobile payment service and transaction types
- Brandable: all functionality and mobile financial services can be delivered under the MNO's brand and full product positioning control
- Payments: enable transactions to be transferred, settled, and reconciled cross-customer, cross-bank, and even cross-carrier
- Global: integrated with electronic payment networks in key international jurisdictions to support global MNO initiatives
- Scalable: leverage hyperWALLET to offer subscribers rapidly-deployable, scalable mobile financial services, worldwide
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Features
The hyperWALLET platform supports all necessary components of the mobile commerce ecosystem.
With hyperWALLET, the complexities and hassles associated with funds transfers and reconciliation of cross-currency, cross-carrier, and cross-country payments are removed.
Key features include:
Domestic and Global Deployments
The platform’s support for multi-language user interfaces, multiple currencies, and multi-country deployments means that any mobile payment service offering can be efficiently deployed under a single operating infrastructure.
Flexible Customer Accounts
hyperWALLET supports secure mobile customer accounts which uniquely identify individuals within the system, to enable a variety of mobile financial services.
Customer accounts can be linked to a variety of other accounts including cash-based accounts (mobile wallets, mobile banking), debit and credit cards, biller accounts, and other items such as coupons or gaming-related services.
Debit/Credit Card Support
With support for debit, credit and prepaid card interfaces and links to common transaction processing networks, customers can access and use their funds via real-world ATMs and POS terminals.
These interfaces can be tied to a customer’s mobile wallet account, and support secure PIN and non-PIN transactions alike.
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Notifications and Alerts
A dedicated and customizable messaging engine supports notifications and alerts via SMS, IVR callbacks and email in local languages. Configurable settings enable both the MNO and customer to set their preferences and delivery options.
Multi-Channel Access
Mobile phone users can access the system via SIM cards, WAP, the Mobile Web, SMS, iPhone App and other interfaces, as well as online via web browser or by telephone via an IVR (Interactive Voice Response) system.
Localized Interfaces
hyperWALLET’s mobile commerce solution supports a variety of brandable user interfaces, profiles, currencies and languages across the mobile handset.
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Service models
Regardless of whether your vision is to offer mobile financial services through your own agents, or under a joint venture arrangement with other service partners, hyperWALLET is uniquely positioned to support the various service models found in the marketplace.
Example supported service models:
Mobile Wallets & Mobile Banking
Registered subscribers on the system can link real-world bank accounts to their mobile wallet account, enabling real-time mobile banking and payments functionality -- including transaction histories, sending and receiving money, airtime top-ups, and bill or merchant payments.
Agent/Merchant Networks
Agents on the system can provide numerous transaction services - including customer registration, Point-of-Sale (POS) activities and cash-in/cash-out services. For Merchants, the solution provides several interface options to enable quick and efficient merchant transactions via the mobile phone, web, or POS.
Bill Payments
The hyperWALLET solution provides a highly flexible bill payment engine, supporting a variety of customizable options for MNOs and their subscribers. Billers can be setup based on frequency of payments made and types of billers, and configured for automated or one-time payments.
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Pricing and Accounting
MNOs, Agents and Merchants can easily establish and control pricing models, promotions, revenue sharing, rates and associated fees for all related mobile financial services functionality. Such configurations can be established using a variety of rules and criteria, to support flexible pricing scenarios across multiple international jurisdictions.
Compliance & KYC
hyperWALLET supports industry-standard compliance and KYC (know-your-customer) services to monitor, block and report suspicious transactions based on established rules, triggers, and anti-money laundering and terrorist financing blacklists.
Customer Service
hyperWALLET’s solution provides integrated customer service functionality (email, IVR and ticketing system) to support the needs of MNOs and their customers across a wide range of channels - including Subscribers, Agents, Merchants, and Partners.
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Flexible deployment
Easily interoperates with existing systems & services
Mobile Network Operators face a challenge managing interconnected,
mission-critical applications and platforms, from a variety of vendors.
hyperWALLET solves this challenge by providing a single mobile commerce platform that is available as an externally hosted Software-as-
a-Service (SaaS) solution, or on an in-house basis.
- Data connections can be established using any combination of batch file processes, direct database connectivity, or via hyperWALLET’s extensive library of APIs for real-time deployments.
- MNOs can access hyperWALLET functionality directly from an Operator’s existing applications
- MNOs can offer hyperWALLET services to subscribers via pre-existing applications resident on the hyperWALLET platform
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One touchpoint, many mobile payment options
The hyperWALLET platform easily communicates with existing prepaid and postpaid billing systems.
With just one touchpoint, mobile account payments and mobile funds transfers can take place via any of the thousands of banks and 3rd party payment networks already integrated with hyperWALLET; all under the MNO’s risk, compliance, and product positioning control.
