1. MCodeOneFast Simple Secure

2. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureDisclaimer
This presentation (“Document”) was prepared by M-CodeOne Mobile Payment Corporation (“M-CodeOne” or the
“Company”) for the exclusive use of Potential Clients in connection with M-CodeOne’s plan to launch. Mobile
Payment Platform (“Offered Service”).
By receipt of or upon the presentation of this Document, the Potential Client has also acknowledged not to use or
disclose any information contained herein or any other information made available.
This Document contains confidential information that cannot be reproduced, in whole. or in part. Dissemination of
this Document to third parties and the use of this Document for purposes that have not been approved by M-
CodeOne is prohibited.
All information contained in this Document, including future performance prospects of the Company and the market,
entails risks and uncertainties.This Document is intended to provide preliminary information to assist the Potential
Client in its decision to pursue a more detailed analysis of the Offered Service.
No warranty, expressed or implied, is made by the Company and its partners, directors, employees or any other party
or agent, as to the contents of this or any other information made available.The only representations and warranties
will be those provided in the definitive agreement that evidences the Offered Service.
Each Potential Client, including its professional advisors, should make its own independent investigation and valuation
of the Company and the Offered Service.
1Confidential

3. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
2Confidential
eeeereEvolution of Payment
How it worked Why it ended
Bartering allowed people
to trade services for goods
they needed.
Widespread bartering proved
unsustainable because of
disagreements over what
constituted a fair exchange.
People recognized that
commodities themselves had
unique value, and it enabled
people to assign uniform
worths to different
commodities, such as gold etc.
The need to physically
transport enough of each
commodity to buy desired
item ultimately made
commodity money
impractical.
Light weight coins made it
easier to assign fixed values
and pay in larger or smaller
denominations.
While coins remain in use,
they largely have been phased
out by cash and credit.

4. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
3Confidential
eere
How it worked Where it stands
Consumers were able to
purchase what they needed
from the retailers immediately
and pay for it later, with banks
and credit card companies
acting as intermediaries.
Today, the credit card closely
rivals cash as the top payment
method.
Now a days, consumers and
merchants can transact with
each other leveraging the
emergence of smartphones
and mobile payment
applications.
Industry experts believe mobile
payments will become the
preferred standard for
consumers and merchants alike.
Paper money was the first
payment type to have no
intrinsic value of its own.
Rather , the dollar were
redeemable for a fixed
amount of gold or silver at a
bank or depository
institution.
Dollars remain in us, but they
are declining in popularity as
credit cards offer greater
flexibility and convenience.
Evolution of Payment

5. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureMore on Mobile Payments
4Confidential

6. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureThe Growing Mobile Payments Market
5Confidential
The Mobile Payments transactions already total $240 billion annually,
but thats just the tip of the iceberg. Juniper Research reports that
the market will grow 2x to 3x in the next 5 years.
5
Today
1 in 5 cell phones worldwide
use Mobile Payment.
predicts that by
2014, 50% of cell
phones will use
Mobile Payments
nfidential
By 2015:
The value of all mobile money transactions is
expected to reach
$ 670 billion.
Digital goods will make up nearly 40% of this
market. Asia, Western Europe and North
America will be responsible for 75% of all
mobile payment transactions.

7. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureHow WillYou Be Paying?
6Confidential
`11 `12 `15`14`13
$1.2
trillion
cash used
in 2010
$199.5 billion
cumulative drop
in cash use
(2011-2015)
$ 1.0 trillion in 2015
$ 35.4
$ 36.0
$ 41.1
$ 42.0
$ 45.1
No Yes
19%
81%
2011
34%
66%
2012
Cash is declining in popularity as a form of payment
in the United States
Percentage of Americans who have
used their mobile phone to make a
purchase

8. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureMore on Mobile Payments
7Confidential
17 million out of 106 million
PayPal account holders are
using mobile regularly.
17 Mn
In the US eMarketer
estimates that m-commerce
sales will reach $11.6 bn in
2012.
=
There are roughly ten
smartphones for each POS
device worldwide.
33%
28%
15%
23%
2% Latin America
EMEA
Asia/ Pacific
North America
Western Europe
Mobile Payment Market Share

9. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureMyths on Mobile Payment
8Confidential
The Fees are too high
The fees are significantly lower than traditional wireless terminals,
which can cost around $1,000 to rent. There are typically no set up
and cancellation fees.
I Do Healthy Amount of Business by Accepting Cash Only
If you are not offering a credit card solution you are missing out.
The average order sizes of those paying with credit cards are
often much larger than cash or check orders.
It would take too long to get paid
Most mobile payment applications transfer money to your
account within a few business days.

10. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFacts on Mobile Payment
9Confidential
Its too complicated to set up
It takes only a few minutes to sign up and start taking payments.
Mobile Payments aren’t secure
Mobile payment processing can be just as safe processing with a
credit card terminal. Look for solutions from a reputable company
that encrypts credit card data via the app and the card swiper
hardware.
It’s not worth it
More than 70 percent of recent statistics say they’ve made sales
they wouldn’t have made without their mobile payment
application. More than 75 percent say that they prefer mobile
payments over the previous payments methods.

11. MCodeOneC ddddddddooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureWhat is MCodeOne?
&
MCo d e OneCoooooooooooo doooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo
An Innovative Mobile Payment Platform
enables..
using only
10Confidential
Deposits Money
Transfer

12. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureAbout Us
Incorporated
2001
Established
30%
70%
McodeOne Solution Testing
Pre-operational
Phase
Capitalist
Partners
Large
Scale
Functional Stage
11Confidential

13. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureAssociated Partners
Banks
Wireless
Operators
Finance
Companies
Credit Card
Companies IT Companies
12Confidential

14. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFeatures of MCodeOne
1
2
Compatible with current flow of
the world payment market
High Security Level
3 Wide Range of Functionalities
Presence & Non-Presence
Purchases
Money Transfer/ Remittance
4High Coverage
5World Wide Standard for
Mobile Payment Market
Against Mobile Operators/
Manufacturers or Flag & Issuer
6
Multi-Functional
Multi-User
Global
14Confidential

15. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFunctioning of MCodeOne
15
Clients Device
Carries credit cards, debit cards,
employee benefit cards etc issued
by different institutions..
MCodeOneFast Simple Secure
CC ddFast Sim
oooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo
WalMart &
other Issuers
Public Switch
Server in Could
Computer
Acquirers
Confidential

16. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
16
Hello WalMart,
i would like to
register..
Registration
MCodeOneFast Simple SecureSimple SecuFast Simple Secure
Host Server
Merchant
PIN
Registers
Functioning of MCodeOne
Confidential

17. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureInitiating Payment
17
2 Select Transaction Type
Pay
Receive
3 Flag
DEBIT CARD
4 Select Card Type
5
$ 2,027
1 2 3 4 5
6 7 8 9 0
+ -
* /
Enter TransactionValue 6
* * * *
1 2 3 4
5 6 7 8
9 0Del OK
Enter The PIN
1 Install MCodeOne
Confidential

18. MCodeOneC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureInformation Specifics
18
Customer Information
IDPIN
Transaction Data
12:25 PM$ 2,027
Amount
Pay/Receive Card Type Bill Amount Date & Time
Installments Flags
Resolved using
MCodeOneddC dddooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooodddFast Simple Secure
Algorithm
CodeOne
GeneratesUnique
TransactionCodeNo Connections are required at
this moment
Confidential

19. MCodeOneC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureInformation Specifics
19
CodeOne
No Connections are required at
this moment
Cashier
The generated code is
communicated to the cashier via
voice, QR Code, Sound Interface*
* Patent Pending Technology
MFast Simple Secure
CodeOneFast S
..ensures complete security of data as no
critical information is resident in the
clients mobile device.
Confidential

20. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecurePayment Processing
20
1Cash
Cashier enters the
Transaction Data
Transaction Data
MCodeOneC ddooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
Client’s
Business
Host
Server
Captures Data
based on
Confidential
01123581320
Unique 11 Digit Code
Extracts Transaction
Specific Data
Authenticates
$
$
Processes
Transaction
All communications among Client Business’ CodeOne Host Server, Public Switch
Server in the could network, other issuers, acquirers & other institutions to process
transaction use the same ISO communication flow already in place for payment
transaction and EFT services.
According to the Security Level defined by each issuer (from which the customer
holds a Credit/Debit Card or an account) and its respective CodeOne Host Servers
- each one of these Servers has a unique CodeOne Key Algorithm to operate in the
cloud network.The synchronization process does not depend on any activation from
the Customer or from the Issuer. It is done automatically Over The Air (OTA).

21. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureAdvanced Security
21Confidential
The complete activation of the CodeOne App (registering with
the Issuer, selecting a Card or a Payment Card or a Funding
Account, and creating a PIN) will be done directly b/w the
customer and the Issuer.
A unique code- a CodeOne 11 numeric digit is generated offline
by the CodeOne Mobile App for each purchase/ payment
transaction and it is valid for that transaction only.
01123581320M
The CodeOne unique transaction code is composed by the
customer information (ID & PIN), transaction data (pay/receive;
type of card; value) & time (hour & minute) are resolved through
the CodeOne key algorithm, which is only valid for that
customer at that moment.
The CodeOne key Algorithm is automatically synchronized OTA
between the Customer’s Mobile device and the Issuer, according
to a specific rule designed by the Issuer.
1
Algorithm
M
AlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlgogogogogogogogogogogogogogogogogogogogogogogogogogoririririririririririririririththththththththththththththththththmmmmmmmmmmmmmririririririri
OTA Synchronization

22. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureAdvanced Security
22Confidential
Data
Acquirers
CodeOne Issuer
Host Server
Public Switch
Server in a Cloud
Network
Other Institutions
All data exchanged uses the same ISO communication flow already in place for payment
transactions and EFT services.

23. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureAdvanced Security
23Confidential
All processes are executed and managed directly by the Issuer with no dependencies of
third parties.
M
Activate
M
Algorithm
M
Algogogogogogogogogogogogogogogogogogogoriririririririririririririririririririthththththththththththththththththththmmmmmmmmmmmmmmmmmmm
AlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlAlgogogogogogogogogogogogogogogogogogogo
01123581320
Activation Maintenance Synchronization Authentication
The final authorization of the transaction depending on the
credit availability of that specific Customer are all executed
and managed directly by the Issuer with no dependency of
third parties.
Non Presence Purchase
No confidential information is
resident in the clients mobile.

24. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureWhyYou Should Focus On Peer-to-Peer?
24Confidential
neeeeSecure
Rise of P2P Transactions
”
As business are continuing to struggle to get credit
from their banks, developing alternative lending
channels is essential so firms are less reliant on banks.
“
Peer-to-Peer lenders like Funding Circle
could in time replace high street banks-
Andy Haldane
“ ”
Peer-to-Peer transactions are
predicted to exceed $300
Million in 2013
Recent Garter studies
shows that P2P
transactions will increase
by 66% in 2013

25. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFunctionalities
25Confidential
neeeeSecure
M DEBIT CARD
The MCodeOne application can be linked to Credit/Debit/
Payment Cards, Merchant Accounts and Issuers simultaneously.
Peer to Peer & Peer to Business Transactions
$M M
$
M

26. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFunctionalities
26Confidential
eere
01123581320
M
Merchant
Voice
communicatesvia
BluetoothSound InterfaceQR CodeVoice
M
M
Issuers
01123581320
M
02027020030
communicatesvia
Website POS Mobile

27. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFunctionalities
27Confidential
eeeere
M + =
MobileApplication Scan
&
Pay
Bills Payment Non Presence PurchaseCart Functions

28. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureFunctionalities
28Confidential
eeeere
Reduction of Check Out Queues
Scan Order Pay Deliver
Out of Store QR Code Reader
Pay Go
Store Checkout
Scan Pay Drive Thru
Coupons & M Commerce QR Code in Store URL
}

29. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureWhy you should adopt MCodeOne Platform
29Confidential
eeeere
Code One Business Platform Helps Improve
Private Label
Card Business
Money Transfer
Business
Prepaid Card
Business
Credit Card
Account Business
$
$
Bill Payment and
Money Order Business

30. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureWhy you should adopt MCodeOne Platform
30Confidential
eeeere
Enables High Security Level for the authentication of presence and
non-presence purchases.
Low impact on current credit card market business model. MCodeOne
is compatible with current POS network and with current transaction
confirmation and authorization flow.
High coverage: compatible with all GSM mobile phones (J2ME MIPP 2.0
and above,Android, Symbian etc.) and all mobile telecom operators.
High transaction speed: enables the use in supermarkets, stadiums,
cinemas etc..
Single system architecture to be shared by Issuers, Credit Card
Companies and Acquirers, global reach.

31. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureDeliverables of MCodeOne
31Confidential
eeeere
1
Management & Support
of Public Switch Server
2 Deployment Of New
Services
3
Application Development
and Updates

32. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
32Confidential
eereEvolution
For around half a decade, credit/debit cards were
the most popular method of payment.
NFC introduced in 2004 by Nokia, Philips and Sony.
Since then there is a big push on the market to use
NFC.
So what will we do with all those phones which do
not have NFC which constitute for 83% of all phones
in 2012?
And what about existing POS devices which
merchants have heavily invested in?

33. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
33Confidential
eereForecast of Mobile Payment
79% of smartphone and tablet owners used their
devices for “shopping-related” activities.
38% of smartphone users have used their cell
phones to make purchases.
12% of mobile phone owners made mobile
payments in 2011.
$ 214 Billion:
Expected volume of Mobile
Payment transactions by 2015
Sources:ABC News, Mastercard, Comscore, Federal Reserve, CNN Money
Brazil U.S. & Europe Asia Overall
Users ready to use their mobile for payments

34. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
34Confidential
eeeereMobile Payments
20 years ago..
66% of payments were
made using credit cards.
Introduction of Mobile
Payment using NFC
in 2006..
But only
of phones with NFC enabled
technology which left billions
of devices without NFC.
Millions of POS systems and thousands of
dollars in investment will go to waste.
7%

35. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple Secure
35Confidential
eere
With Electronic Swipe Card MC1 Pay you do not require NFC at the
mobile phones and at the POS
Why MCodeOne
Emulates
Magnetic Field
Produced By The
Credit Card

36. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureHowYou Can Take Advantage of MCodeOne
36Confidential
eere
Publicize the application via SMS, Social Media Marketing etc
App Store Google Playtore Googleore g
Charge per download Customer downloads
and installs app
Customer converts their
credit/ debit cards to
digital versions

37. MCodeOneCC ddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureHowYou Can Take Advantage of MCodeOne
37Confidential
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Customer authenticates it with new business.
Gate Control Hotel Access Mobile Payments

38. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureHowYou Can Take Advantage of MCodeOne
38Confidential
eeeere
ntial
Customer can start using it. Its that simple!!!

39. MCodeOneC ddddddddoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooFast Simple SecureMCodeOne
38Confidential
eeeere
ThankYou