Payeeton Solution Platform

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Martha Black
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1 Payeeton Solution Platform Bridging your mobile life Macronix 旺宏電子集團子公司

2 Index About MXIC About Mxtran Payeeton Introduction P.2

3 Corporate Introduction Mxtran Inc.

4 The Origin of Brand - Macronix

5 About Macronix A Leading Non-Volatile Memory Solution Provider

6 Core Values to Leadership

About Mxtran Provides Mobile Payment System, IC,SIM

experience to support on IC business A Spin-off from

2006 Won the Red Herring Asia 2008; FIPS 140-2 L3

7 About Mxtran Provides Mobile Payment System, IC,SIM Overlay, Dongle and Display Smart Card More than 12 years experience to support on IC business A Spin-off from Macronix SOC design group. Founded in Aug Won the Red Herring Asia 2008; FIPS L3 certification; Global Strategic Partner for IBM ; China PBOC2.0 and CC Certification P.7

8 Payeeton Introduction Mxtran Inc. P.8

9 Mxtran Product Families Smart-Film for SIM/Micro/Nano IC Secure SD Card Display Card 日期餘額紅利點數 P.9

10 Features of Payeeton Mobile Solution One Touch to Go!! No need to change mobile phones, nor is telecom operator. Provide dual interface (contact/contactless) for service in proximity or OTA services. Not only provide SIM card functions, but also provide GSM and CDMA functions as well. Support Multi-applications and post-issuance functions, No need to recall customers for newer service, thru OTA, issuers can provide services automatically. Support RSA 3DES SHA-1 security algorithms and schemes. P.10

11 Applications Applications in a variety of industries, including: Telecom SIM Card with m-commerce features Add-on service Tool (expand telecom Applications Financial operators service channel and no need to replace the current SIM card) Mobile Commerce Mobile Banking (fund transferring bill payment online trading ) Consolidate payment products (On-line Payment Micro Payment Post-paid Payment) ID/Membership PKI/Personal Identification Membership Card Gift Card Access Control Card Other Value Added e-ticketing e-promotion (flyers or discount Coupon) Campus application (course selection) P.11

Payeeton Solution Card Product EDC/POS/SMS

Mgmt Module Device Mgmt Module Billing Module

12 Payeeton Solution Card Product EDC/POS/SMS Platform Tag Film/SIM Combi Card Smart Reader Module SMS Transaction Processing Module Customer Management Module Security Mgmt Module Merchant Mgmt Module Device Mgmt Module Billing Module Diversified Products Multi-Purpose Selection Comprehensive platform P.12

13 Product Key Values IC In-House Technical know-how Cost Effective Cutting-Edge Technology Security IC mbanking Functions Packaging Skills Mobile Enhancements Core Value Certifications FIPS L3 CC PBOC Diversity Dual Interface Products Smart-Film Secure SD Cards IC Module Complete Solution Mobile Products Back-end System Customizable Mobile Device Customizable IC P.13

14 Business Model Customer SMS OTA Telecom Operators Partner Mobile Phone Retail Internet Bank Telecom Operator Film Personal Computer ATM Payeeton Processing Center Content Provider Service Provider Enterprise Merchant P.14

15 Applications For Banks, Accounts Service Balance Inquiry Fund Transfer Account Information Payment Service Electricity Bill Water Bill Phone Bill Buy Power Card Buy Phone Card Buy WiFi Card Loan Payment Quick Loan (Request for Loan) For Telecom Operator, Phone Bill payment (Postpaid) Buy Phone Card (Prepaid) Dual SIM For Transportation, Top-up the Purse By Cash (Induction) By Bank Account (OTA) Activity Log Balance Inquiry Others, OTP Service (One Time Password) OTA Service (Over The Air) ID/Membership Customization Functions P.15

16 System and resources integration 1 GSM/ CDMA e-wallet (Pre-paid) Post-paid On-line paid Telecom API Banking API OTA Download Payeeton COS (Native or Java) P.16

17 System and resources integration 2 Value Add Services VOIP MRT 2G 3G GSM/ CDMA Pre-paid Post-paid On-line paid Dial Service OTA ( Over the Air) Download new applications into customers mobile phone Telecom Interactive APIwith customers Banking API Payeeton COS (Native or Java) Dual SIM OTA Download Mobile Banking P.17

18 Payeeton Strengths Providing banks and corporation s a customizable module to each application to gain market value and expand customer base. Financial industry standards, using encrypted security algorithms for all transactions. Obtained international Certifications. B2B Growth Security Measures Flexibilities in Application developments. Payeeton Emerging Resources and Operations Complete Product-line Obtain control in distribution and business owners. All added features do not require reissuing of cards. According to customer s requirements, providing the most suited Smartfilm, Display Card, Reader, and back-end system One form, multiple functions and flexibility May integrate retail and virtual mobile usage. Follows ISO standards. P.18

19 Mobile SE Film=NFC SWP+Personal Authentication Credit Cards Downloading Required Mobile Apps. Identification cards, membership cards, key. Pre-Paid Cards Offering credit card companies a peace of mind on mobile transactions Mobile SE Film is compatible with all NFC cellular phones Mobile SE Film is certified by FIPS Level 3 and China Certifications Encrypt and decrypt every transaction Mobile SE Film acts as mobile SAM and HSM for enhanced security P.19

20 Application in Mobile Banking Service Item: Mobile Banking Bank provides the mobile banking service for customers via mobile phone for balance inquiries, fund transferring, payment and loan P.20

21 Application in Tax Collection Service Item: Tax Payment Local Government issues the Smart Film to their tax payers for collecting money more efficient and convenient at the same time. P.21

22 Application in Mass Transportation Service Item : Mass Transportation with Banking Service Provide customers to use mobile phone to Inquiry for e-wallet balance and log Top-up service via OTA Top-up service via Banking accounts P.22

23 Application in Identity Authentication Service Item : Identity Authentication User may use mobile phone for OTP or PKI authentication to ensure mobile banking security and convenience. P.23

Mobile Phone OTP Flow (OATH Based) OTP Number 4 ID: 123456 OTP Gen 1A Passwd: OTP: Generate Server Challenge 3A OTP Only Challenge-

24 Mobile Phone OTP Flow (OATH Based) OTP Number 4 ID: OTP Gen 1A Passwd: OTP: Generate Server Challenge 3A OTP Only Challenge- Response OTP 2 Login Portal login form OK Cancel OTP Number Generate B 1B ID: Passwd: OTP: server Challenge Generate 4 Login P.24

25 Before & Now Smart Film = P.25

Mobile PKI Signing Flow Send OTA SMS to User for Signing We receive your document Your and generate a Digest document is completed, Thanks. MjAxMDA3.

26 Mobile PKI Signing Flow Send OTA SMS to User for Signing We receive your document Your and generate a Digest document is completed, Thanks. MjAxMDA3...MDc wode1mzywma== It will send to your mobile phone please sign it 2. Application generate the Digest and send SMS to user by OTA All-in-1 Secured Mobile Solutions SMS 3. User input code to sign it Please confirm the digest MjAxMDA3...MDc wode1mzywma== and sign it 5. Application show success/failed message to user DB Validation, Log, Time Stamping Sign/reply Cancel 4.Application validate it 1. User edit and submit the document. P.26

27 One Time Password Display Card Service Item : Identity Authentication User may use epaper Display Card for OTP authentication to ensure Online / mobile payment security and convenience RSA / SHA, DES,3DES P.27

28 Secure Dongle Add Value Balance Inquire Invoice check Payment P.28

29 Dialer Film Film overlaying on (U)SIM card. Auto dialer system embedded, saving your phone bill. Auto switch function. No need to change your phone. No need to change your (U)SIM card. Supported 2G 3G system. Keep your original (U)SIM card STK function. P.29

30 Multiple numbers in one SIM card Single IMSI Single number anywhere Local call cost saving Roaming call cost saving Dual IMSI,Dual Phone Numbers One local phone number One roaming phone number Roaming by Call Back system Call Ringtone by both number IMSI 1 local phone number 1 IMSI single number on the SIM IMSI 2 roaming phone number Dual IMSI, Multiple Phone Numbers One local phone number Auto switching roaming phone numbers Roaming by Call Back system Call Ringtone by both number IMSI 1 local phone number Auto switching roaming IMSI 2 phone numbers P.30

31 QR Code (1/2) 1. System login 2.BHO Keyboard (optional) 3.Select product browsing or pick up product 4.Shopping cart list. Click the icon of purchase product and scan the QR code of selected products. The server will generate the shopping list once the scan is finished. P.31

It will also generate the product pick-up QR code if the verification is correct. 9.

32 QR Code (2/2) 5.Shopping System 6.Click selected product and and scan the QR code of selected product 8.Generate the list of purchased item 10.Paymeny system will scan the payment OR code and verify the TAC. It will also generate the product pick-up QR code if the verification is correct. 9.Click the checkout icon to generate the payment OR code which includes the product, order number, TAC and shopping day. P.32

33 Payeeton in Expansion England Germany Jian Xi Japan California India Malaysia Indonesia Marshall Islands Costa Rica Zimbabwe Singapore South Africa Swaziland Banking Telecom Public transit Integral Application P.33

34 Welcome Web Site:

Secure Over-The-Air Services in NFC Ecosystems

Secure Over-The-Air Services in NFC Ecosystems Sirpa Nordlund Venyon Hagenberg March 20th, 2007 Contents of the presentation 1. Building up NFC ecosystem 2. Trusted third party and value proposition 3.