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Financial Products

Our current financial product line includes very flexible payment, revenue sharing, offer, trade, fund transfer and replenish products.

Flexibility and Performance

Our financial products were all generated using our eXtensible Financial Platform XFP.

These products were created and can be extended or modified by simply adding or modifying the appropriate business rules.

In addition, these products inherit the performance, robustness, scalability and security of the eXtensible Financial Platform XFP.

mHave PAY web 4.2 is a flexible and robust web payment product.

Features:

• Robust underlying accounting model

• Balance sheet and income statement accounts

• Complex consumer relationships and account use restrictions

• Advanced customer care management tools

• Complex purchase processes including discounts and refunds

• Recurring and scheduled payments

• Integrated with ACH and Credit Card Processors

mHave PAY web 4.2 provides a multitude of payment alternatives for consumers.
 

Rich Set of Payment Processes

mHave PAY web 4.2 provides robust management capabilities:

• Consumers can have multiple accounts

• Sponsor and dependent account owners

• Account use criteria set by account sponsor

mHave PAY web 4.2 payment processes can be based on any combination of purchase event attributes:

• Price

• Product or service category

• Time of purchase

• Consumer profile…

mHave PAY web 4.2 recurring or fixed payments can be scheduled in various ways:

• Daily, weekly, monthly or yearly

• Specific dates

mHave PAY mobile 3.0 allows for mobile payment options including vendor payments for product purchases and other transfers into and out of bank accounts, and 'cardless' credit card transactions.

Features:

• Mobile “cardless” POS and online payments for product purchase

• Mobile transfer and replenish of accounts

• Allows for credit card and bank account transactions

• Adapted mobile account management

• Phone with built-in fingerprint authentication device for highly secured transactions

• Phone communicates to server through either HTTPS or SMS protocols

• Optional Infra-Red communication between phone and POS for “cardless” purchases

mHave SHARE 3.0 can be used in any business where money needs to be shared among multiple entities. Our revenue sharing product handles a variety of complex revenue sharing plans that can be based on volume of transactions, transaction prices and other variables.
 

Features:

• Robust participant and contract management

• Variety of revenue sharing plans

• Plans applied to any set of events

• Various types of participants and relationships

• Contracts among any type of participants

• Multi-directional payments

• Consolidation of payments under multiple criteria

• Various methods of invoicing due date calculation

• Bad debt and other types of reconciliation

mHave SHARE 3.0 allows for a myriad of combinations of revenue sharing contracts among various types of business participants.

Revenue Sharing Contracts Among Various Business Participants

mHave SHARE 3.0 includes a rich set of price and volume-based plans:

• Percentage plans based on price

• Percentage plans based on other factors like transaction type, participant profile…

• Step-wise percentage plans based on the price

• Percentage plans based on the volume of transactions

• Plans based on overall transaction volume and price

• Cascading plans

• Fixed fees

mHave SHARE 3.0 can perform consolidation based on multiple criteria:

• Product or service

• Date

• Billing cycle

• Type of participant

• Consumer profile

mHave Offer 2.0 is the core component of the Mobile Advertisement Transactional Network. It implements the full life cycle of complex offers including coupons, gift certificates, bundles and loyalty programs.

Features:

• Allows for the full cycle of the offer management, including offer creation, registration and redemption

• Rich set of complex offers can be created by product managers and media/marketing professionals

• Offer can have sophisticated logic for representing restrictions, rewards, validity dates and usage details

• Offer can be broadcasted to targeted customers according to sophisticated business logic

• Offer can be redeemed online or at POS terminals

• Robust offer management capabilities

• Offer server is fully integrated with PAY and SHARE products

mHave Trade 2.0 is an exchange server allowing for trade of stocks and other goods. The implemented product logic mimics the stock exchange market.

Features:

• Flexible exchange platform can implement various strategies including the stock exchange market

• Order matching algorithm based on best offer available and on a first come first serve strategy

• Integrated with PAY for authorizing trade buy orders

• Integrated with SHARE for allowing trade transactions revenue sharing and billing

• Robust order management capabilities

mHave Transfer 2.0 allows for consumer-to-consumer fund transfer.

Features:

• Complex consumer-to-consumer fund transfer

• Funds can be transferred from consumer credit card or bank account

• Processor can set-up a variety of transfer fee-based plans

• Individual or groups of consumers can be assigned specific transfer fee-based plans

• Consumers can be assigned specific plans based on their profile

• Revenue sharing with the consumer aggregator or other participant can be established

• Transfer reports can be generated based on various criteria

mHave Transfer 2.0 allows for a rich combination of transfer and sharing of funds.

Fund Transfer With Revenue Sharing

mHave Replenish 2.0 allows consumers to replenish their accounts.

Features:

• Complex consumer account replenish

• Funds can be transferred from consumer credit card or bank account

• Consumer can specify when and how often the replenish should occur

• Replenish can be automatically triggered by events such as low account balance

• Processor can set-up a variety of replenish fee-based plans

• Individual or groups of consumers can be assigned specific replenish fee-based plans

• Replenish reports can be generated based on various criteria

mHave Replenish allows for consumer account replenishing under a rich variety of circumstances.

Recurrent Replenish With Associated Fee

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