2. Platform for a card payments receiving
E-wallets, storage costs,
checks
Money transfers Acquiring / Payments –
Payment for goods and
services
Mobile access Currency exchange and
payment instruments
Issue of virtual currencies
Multi-level
commission model
Release of prepaid cards
and gift certificates

3. Money transfer
User User
Money transfer between clients via the Internet or via NFC
or QR-code in person

4. The platform for all relevant business
merchant’s processes
The payment gateway with multiple
connected financial systems
Functions aggregator – payments.
Merchants that connected to a single
point not expend resources for
connection to a variety of existing
systems
Working both online and offline
A wide range of services, billing
Notification of transactions
Reports and statistics

5. Acceptance of payments
Use smart cards or mobile phone using an application installed in the
mobile POS terminal vendor. No need to buy expensive equipment – jut
use a regular cell phone.
NFC
Payment
App

6. Interaction
User
User
Cash in
Cash out
Money by
mail
All system
of cash transfer
e-cash
convertor
e-gift
mobile
time bank
P2P
credit
e-cash
converter
games &
networks money

7. Money transfer via e-mail
User
Money by
e-mail
Sending
request
User
The easies way to send money to the beneficiary even if it is not
registered in the system. Sending a special request to the post
office to get the translation

8. P2P microcredit concept
I’ve got free money I need a loan
credit
refund
% to user
Creditor Loan subscriber
credit
refund
% to user
P2P
Credit
Microcredit service P2P – people who have the extra money or account
balances may become member of forming a service of loans for other members
in the system and make money on it.

9. Gateway to top-up any mobile operator in
the world
User
All ever possible money
Mobile time bank
Services
All mobile operators

10. User User
Games and
Networks Café and shops
P2P
Credit
MBM
NFC
E-gift
Aggregator
Mobile
time bank
Games &
networks money
Energy money
Issuing Machine
E-cash
converter
Issuing Machine planet

12. E-commerce payments
E-money exchange
Games
Dating
Network &
Communities
Micropayments
Special needs
Regular payments
Money transfers
Offline paymentsOnline payments
Supermarket and shop
Transport system
Vending
Full scale of all ever possible payments
needs