Wiz-Mobile

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Overview
The mobile module provides the interface with Mobile communication devices such as personal digital assistants and WAP enabled mobile phones to empower customers to gain access to financial services at anytime and from anywhere.

This module offers a flexible and robust solution delivering full mobile banking services to customers to any type of mobile communication device. By providing financial institutions with a reliable and flexible mobile communications foundation, it provides a secure channel for customers to gain access to all the bank’s products and services. Through the adoption of a mobile channel, banks can deliver personalized and consistent 24 x 7 account information and services to their customers via PDA, SMS or WAP.

This mobile module is designed to enable service providers to provide their customers an alternative mode of payment for their bills and purchases. A consumer uses his mobile phone to authorise and authenticate his instructions for payments and process direct debit or credit transactions from his account. It is suitable for bill payment and POS Sales merchants, for purchases of movie tickets as well as payment of carpark charges, petrol or even dinner. The solution will provide the participating merchants with confirmation and payment record at the time of transaction that payments have been made.

Deployed by a leading telecommunications services provider, the mobile payment solution enables the client to provide top-up prepaid cards services to their prepaid customers through Short Message Services (SMS) as well as to provide their customers the ability to engage in mobile payment. It has also been deployed by a financial institution to allow their customers to purchase items on special offers through SMS only.

Uses of Wiz-Mobile

Mobile Banking
Banks are one of the earliest industry to embrace mobile technology for the mobile equivalent of Internet Banking. However, earlier attempts at duplicating the success of Internet Banking were hindered by the limited bandwidth and security constraint of WAP channels. New technologies of J2ME protocol with 3G channel shall break the barriers.

SMS Payments
Traditionally an information pusher for marketers, SMS has moved to becoming a key sales channel with mobile commerce gaining greater acceptance in today's technology world.

Increase Control Mobile Payments
As consumers constantly search for more convenient payment methods, mobile phones move in as an alternative to plastic cards. Now, barcodes are sent in replacement of numeric authorization codes to the mobile, and it takes a simple scan to complete the payment cycle altogether.

Automated Dispute Virtual Wallets
One of the most common applications that simplifies and facilitates payment is Virtual Wallets. A personalized v-Wallet acts as a secondary Banking account, with money been pre-deposited via Credit Cards, Direct Debit etc.

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