Ultimate company

Ultimate Mobile SolutionsBrief of Products

Procesos de Otorgamiento de Credito.Agenda

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Mobile Platform for Loan Verification Process MFI’s

Who we are ?

Copy Rights Ultimate Mobile Solutions

UMS Hydra Interface Management Channel

Pos Movil ( payments cards)

Mobile Banking Customers

Mobile Banking Agents

Thanks


Ultimate Mobile Solutions

• Mobile payments and financial services technology company

• Mission is to become the lowest cost provider of mobile commerce services and branchless banking to the vast un-banked immigrant populations from Latin America, Asia and Africa and their societies back home

• UMS vertically-integrated systems allow for a wide range of flexible solutions for banks and other partners

• Technology partner of our Customers.

Procesó de Otorgamiento de CréditoVerificación Automatizada de Domicilio y Trabajo


Goals

• Provide unique value propositions for customers, partners and shareholders

• Enable significantly lower-cost cross-border remittances and financial services in fast growing transnational markets

• Make the mobile platform available to MFI’s, third party associations, government agencies and card/phone distribution networks

• Help MFI’s to develop their Mobile Banking Ecosystem with the latest technologies and vertical solutions.


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The Micro Finance are challenged to deliver credit as quickly as possible and ensure that the customer can be located for collection purposes

Our platform enables MFI’s the tools to grant credit to their customers quickly and ensuring that all the information provided by the customer is correct.

MFI Employee

That verifies the address of the customers, working activity, etc.

Satellite

Mobile Platform

Ultimate Mobile Solutions

Encrypted Communications

MFI’s Core Banking System

Web Operators at MFI

And System Administrator

Carrier

Customer

Mobile Architecture

Mobile PlatformCustomer Verification MFI´s

Web PlatformScreen Shots


Mobile and Web Users Administration by Roles Status of all Operation at glance

Performance Dashboards of all operations.

Customers Data Geo Localization

Screen ShotsMobile Platform

Secure Login.MFI employees have to be registered in the Mobile Platform.

Login and Password

Syncronization.MFI employees receives the credit applications that needs to verify depending of the zone that they were assigned.

Geo Localization.MFI employees receives the locations of the customer to verify

Check List Process.MFI employees develop their taks one by one.All information needs to be completed before syncronization.

ValidationsPlatform will validate all the input depending the business rules of the MFI for each field.

Key Features

Inteconnection with Core Banking Systems.Several Methods to obtain the information from the Core Banking Systems at MFI’s ( XML, WS, Data Base connection, Socket, https, etc.)

Secure Connections.Encrypted Comunication between Ultimate Mobile Servers and MFI’s.

CustomizationEach MFI’s can define their different status for their credit application process.

User Managment.Manages access for the distinct users WEB and Mobile and the operations they can make in the Application.

MonitoringProvides several reports and dashboards to review the all operations in real time

Field Agents MonitoringThe application can sent where the fields agents of the MFI are at any moment

Mobile PlatformAndroid Platform GUI interface developed for low technical users.

On line – Off LineThe mobile clients work in on line and off line mode, the application will synchronize to the Mobile Platform as soon the mobile has connectivity.


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One of the big challenges when you want to make a Mobile Banking systems is how to inter-connect all distinct actors to the Transactional Switch. Each have a distinct type of systems and they don’t have the skills to interconnect using ISO 8583 standards.

Also is very expensive to develop nodes in a robust platform like Postilion to interconnect to all this actors.

UMS HydraChannel Interface Manager

Retail Chain

Gas Stations

Small Business

Micro FinanceInstitutions

Core Banking SystemsOr Card Authorization Network.

UMS HYDRA

Networks Standard


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We have developed a Pocket Pos Platform that allows to process any debit, pre-paid, credit card transaction where card present is required some of the features are:

POS MOVILCard Processing by Mobile Phone.

• Real time credit card processing• Card present acceptance• Supports all major credit cards• Supports void, return, authorization, and force• Designed for PCI PA-DSS compliancy• Merchant customizable receipt header and footer• Supports multi-language and multi-currency• Supports multiple time and date formats• Easy to re-brand with custom logos, icons, names, etc.• Print batch reports from Gateway• Merchant created PIN access protection• For use with Blue Bamboo's P25-M portable Bluetooth printer with MSR• Designed to work on most Java enabled Bluetooth mobile phones

Android availability in a few months.


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Mobile BankingMobile Banking for Customers

Secure Mobile Client: This is the main component that is installed on each mobile device of the customers and merchants to perform transactions in a secure way using several authentications factors. There are three options available depending on the interpolation with the carriers the best option will be selected to achieve the most numbers of mobile devices. Secure SMS: This is a Java Software that needs to be installed into devices and provides a GUI interface for the user to perform all their transactions, the method used to send those transactions to the Mobile Application Platform is trough encrypted SMS.


Mobile BankingMain Features client

Secure SMS and WS: This is a Java Software that needs to be installed into devices and provides a GUI interface for the user to perform all their transactions, the method used to send those transactions to the Mobile Application Platform is trough encrypted SMS Or trough Secure Web Services. Main Features: •Installation Over the Air or locally by Bluetooth.•Communication Method SMS using a private or shared short code.•Design for use on mobile phones with low process capacities.•All transactions are encrypted using 128 bits AES algorithm•Every mobile device has their own private key for the encryption of the messages•User has to enter their six-digit Pin/ Password number to have access to the application.•Management of a time expired session.•Remote Block or Reset of the Mobile Application without any intervention need it from the user•Remotely change the menus or transactions available for each user.•3 factor of Authentication (ID CALLLER, PASSWORD, ENCRYPTION KEY)•No sensitive information is send it on each transactions (just the instruction, not accounts, account information, etc.) This application works in more of the 50% of the actual devices in the market and on the 80% of all new phones.


Mobile BankingMobile Architecture


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Mobile Banking for MFI Agents.Main Features client

MFI Agents trough a Mobile Platform: Same Design as Mobile Banking client for Customers with the same security measures. Transactions:

-Re-Load a Card or Make a Deposit to a Card-Sale Air Time-Cash Out Operations-Receive Payments from other Mobile Users -Request for Electronic Value to their manager-Send Money to other mobile user

Note: We can add any card processing if we attached the Magnetic Card Reader.

THANK YOU!

Ultimate company

Economy & Finance

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