Tagattitude provides a mobile money platform that allows any phone to be used for secure electronic transactions. The platform was founded in 2005 and uses NSDTTM signature technology that works with all phones. It allows users to send money, pay for purchases, and transfer funds between accounts from feature phones and smartphones. Merchants can accept payments through various channels including phones, terminals, and online. The platform aims to increase financial inclusion through convenient, secure, and affordable mobile payment solutions.

1. Tagattitude’s Mobile Money Platform
 Presented by Isabelle Berner, head of marketing
 November 19, 2012
Tagattitude General Presentation  V1.0  19-Nov-12  © Tagattitude 2012
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2. About Tagattitude
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3. Origins and Team
 Tagattitude is a French company founded
in 2005 by Yves Eonnet & Herve
Manceron
 Yves Eonnet: Smart card industry
expert. Served as the head of
Innovation of Schlumberger’s smart-
card division for 10 years.
 Herve Manceron: Telecom industry
expert. Serial entrepreneur specialized
in telecom architectures.
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4. Evolution of Financial Inclusion
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5. The challenge Retail
 A requirement for enabling a cash-less society
 A puzzle to solve – particularly in the developing
world
 Clients = mostly feature phones, yet growing
smartphone penetration
 Merchants = many unbanked, most unequipped
 Challenge:
 Clients: use what they already own, a cell phone
 Merchants: use what they own or what they can
afford…
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6. Merchant = Agent = Client
 Different role
 Different interest
 Different value
 A PAYMENT IS NOT A CASH-OUT
 A PAYMENT IS NOT A P2P TRANSFER …
 Payment transactions need:
speed, anonymity, security
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7. How to transform any cellphone into a
tool for making transactions?
Client
Account
? Merchant
Account
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8. Core innovation: NSDT™
Electronic signature technology
compatible with 100% of the cell phones worldwide
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9. Core innovation: NSDT™
1st exchange: Transaction
requested (Who’s paying? How
much? PIN correct?)
----- authentication via NSDT™ -----
2nd exchange: Result of the
NSDT™ authentication sent to bank, and
accounts are debited.
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10. Technologies NSDT & NFC2.0
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11. Mobile Money Platform
Mobile Money
 Innovative mobile money platform
 Turns any phone into a means of
secure electronic transaction.
 Designed for emerging markets.
 Usability
 Security
 Convenience
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12. TagPay platform
Client/
Merchant Agent
Enterprise IVR
TagPay SQL
Database
Online
Internal E-Commerce
SMS Fees
Message Account
spooler Management
APIs
E-Mail
Transaction Engine POS
Gateway
Multi-Currency Back-Office
Data
Smartphone
Applications External
Mobile Authentication Module: NSDT™ Fees
Admin Agent Client Merchant Web POS
Web
Applications
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13. Main features and functionalities
ADMINISTRATOR MERCHANT CLIENT
• Multi admin management and activity trace—hierarchical administration • Accept payments from customers secured by NSDT™: • Enrollment
and rights attribution to different classes of admin. o With a simple telephone (no application or hardware required)* o By calling an IVR
• Classes of Service (COS) management for o With a dedicated mobile payment terminal (e.g. TagPay 1200/1600) o Via web enrollment page
clients, merchants, agents, administrators, server, and fees: Enables a set (optional receipt printing)* o With an agent (COS permitting)
of parameters including types of transactions, amount limits, etc. to be • Management of KYC (Know Your Customer - account management
o With a dedicated web page acting as a terminal (e.tagpay)*
grouped together and subsequently attributed to users. compliant with the regulation of central banks)
o With a smartphone (iPhone, Android)*
• Velocity checking/anti money laundering: transaction limits per COS and • Account management
per period o With an integrated terminal (e.g. ingenico or other)*
• Accept payments on the Internet • Dedicated (prepaid) account management (vouchers, gift cards, etc.)
• Agent accounting: Agent’s deposit account used to make transactions with
clients is managed by the designated admin. • Reload a client’s prepaid account • Functions accessible from the Web, IVR, smartphone app, or by
• Visualization of the transaction log* SMS (depending on the function):
• Merchant payment advances on payments received
• Status of the amounts transacted to be paid out by the service o Money transfer:
• Agent payment advances on commissions earned
• Status of clients’ prepaid accounts with the merchant  Account to account
• Management of enterprise account balance
• Opening and closing of drawer sessions on a terminal*  Account to new account (with the automatic creation of the
• Salary advances recipient’s account)
• Management of Client’s ―Parent‖ agents • Multicurrency management*
 Account to cash (the recipient can only retrieve the cash and
• Billing company management via API • Interfaces language settings* does not use an account)
• Configuration of the fees and commissions for each transaction • Multi-terminal*  Account to prepaid account with a merchant
o Defined as a COS • Multi-employee (transaction access controlled by employee code)*  Transfer from prepaid account to prepaid account with the
o Attributed to user COS same merchant
o A+B(x) formula by default o Consultation of the account (transaction history & balance)
o Use of API for external fee management AGENT o Management of the account (settings, preferences)
o Possibility of setting fees by transaction threshold o Reloading of the account by credit card
• Agent incentives management via Parent entity commissions o Registration of multiple mobile phones that can use the same
• Platform COS management: default * in addition to starred merchant functionalities account (family, employees, etc.)
parameters, currency, language, transfer types available, confirmation
• Cash-in (accept client cash and load client’s account accordingly) • Payment on e-commerce websites secured by NSDT™
mode • Payment in a store secured by NSDT™
• Cash-out (withdraw funds from client account)
• Confirmation mode configuration by threshold and by merchant COS • Cash-in/Cash-out (deposit and withdrawal) from account with an
• Account to Cash transfer (send cash from a client’s account to a
• Visualization, filtering, and export of the transaction log Agent secured by NSDT™
recipient who will receive it as a cash transfer)
• Daily report of platform float balance and activities impacting it for central • Reloading a prepaid account with a merchant secured by NSDT™
• Cash-to-cash (send a cash transfer between two non-account holders)
bank compliance • Send money (account to cash or cash to cash) via an agent secured
• Client enrollment
• Management merchants payout (invoice) by NSDT™
o Using terminal (e.TagPay or TagPay1200/1600)
• Supervisor functionality for the operational management of client accounts
o By distributing a unique enrollment URL to a client base
• Account management:
clients, enterprises, merchants, agents, administrators • Blocking of client’s account
• Client KYC procedure implementation--verification by supervisor • Transactions are made and secured by NSDT™ (see available device
list above)
• Management of Client account states: APIS AVAILABLE
initiates, pending, open, blocked, closed • Visualization of the Agent’s deposit account balance and limits
• Transaction reversal • Status of the commissions account to be paid out by the service
• Client, Merchant, and Agent password and passcode reset.
• Debit/credit of an account
• Multi-currency
• Debit/credit of a prepaid account with a merchant
• Multi-country ENTERPRISE • Merchant payment
• Multi-language
• Transaction verification
• Platform activity reporting (accounting, Central Bank)
• Fees and commissions
• Database and log backups • Dedicated enterprise account web interface • Gateway mode (external back-office management of accounts)
• Management of SMS/email alerts for specific ―sensitive‖ activity • Upload salary disbursement file • Terminal
• Monitoring of SMS sent and received with possibility to resent SMS • Manual individual disbursements • PSP payment page (type PayBox, PayPal, Ogone…)
• Trace and analysis tools • Disbursement to prepaid accounts with merchants (e.g. gas • NFC 2.0™
• Centralized configuration and management of terminals card, restaurant tickets, etc.)
• Remote terminal activation and allocation • View transaction history
• Payment (PSP) page for e-commerce • Manage account settings: language, country, preferences
*This functions list is a non-exhaustive list of the functionalities available in version 3.3 of the
TagPay platform. The platform architecture is designed for security and adaptability in order to meet
the requirements of a diverse range of environments and services.
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14. Evolution of Financial Inclusion
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15. Client side Dual approach
 Feature phones: just a call
 Smart phones: load the app, then tap and pay
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16. Merchant side Multiple channels
 Simple and low cost merchant enablement
 Terminals designed for developing markets.
 What can be a terminal?
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17. Ubiquitous usage
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18. Projects around the world
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19. Take Away Points
 Mobile Money is evolving and being able to pay
with your phone is crucial to enabling cashless
 Paying in stores is fundamentally different from
P2P or agent services
 Retail transactions must be
secure, convenient, universal, and inexpensive
 NSDT & NFC2.0 are one of the few technologies
that meets these requirements today
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20. Questions
Thank you.
For more information & demos
visit Tagattitude’s website:
www.tagattitude.fr
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