XMS Enterprise Server (Telco)

XMS Mobile is a J2Me and Symbian based software that allows mobile users to protect their text messages both on the phone as well as in transit across mobile networks.

XMS for Service Providers

XMS Enterprise Server (Telco) runs on Java (1.4.X and onwards) enabled web servers, which can be deployed on any platform (Windows NT 4.0, 2000, XP platforms, Linux, FreeBSD etc.). Please refer to technical specification for details.

XMS Enterprise Server (Telco) comprises a licensed application which allows the service provider to:

• Offer XMS Mobile downloadable over the air through SMS and a WAP portal (GPRS).

• Track XMS mobile downloads and manage XMS users through graphical reports relating to subscription, usage and revenue.

• Restrict downloads to specific number prefixes.

XMS Revenue Potential

• Easily expandable user network - Considerable viral marketing potential using the application that allows each person to invite friends to download the application (over the air or through a web portal) so that he/she can exchange private SMS messages with them.

• At no additional infrastructure cost, mobile operators can roll out XMS as a value added service through subscription or prepaid top up. A brand new recurring revenue stream that makes XMS an attractive revenue opportunity for Mobile Operators.

• High phone compatibility as XMS is supported by any Java MIDP 2.0, Symbian series 60 and UIQ 2.0/2.1 phone.

XMS Manager

XMS Manager is a web based management interface that enables one to issue installable XMS Mobile messaging applications to the employees within the organisation. It provides a truly autonomous and scalable means of rolling out XMS applications to a selected user group with no dependence on cellular / SMS service providers.

Using the XMS manager, businesses ranging from SMEs to large enterprises or government entities can autonomously manage and issue XMS Mobile applications to their employees across locations worldwide and begin to use the SMS medium for secure business communications.

By retaining ownership of XMS Manager, it is not necessary for organizations to share the name or mobile phone number of the end user with a cellular provider or other external providers of XMS technology. Hence, the complete privacy and control in deployment of the XMS solution, enabling protection against industrial espionage.

Benefits:

Enables a more secure SMS communications within which include but not limited to:-

• Contact employees (as notification pagers)
• Schedule appointments (as a tool for scheduling)
• Non invasive communication in meetings (one way message)
• Sending short reports in field operations (confirmation, findings)
• Internal organizational notifications (bulk message notification to employees)
• Requesting and passing brief urgently required business information (sales quotes etc.)
• Communicating sale purchase decisions with agent / broker while in meetings (sell / buy stock)

XMS Messaging Center

XMS Messaging Centre is a separately licensed software that is intended for use by designated end users who would like to extend mobile communication to a desktop / laptop while maintaining a high level of security and trust.

What is XMS Messaging Centre for?

• Internal communications: Bulk message notification to employees.
• Company and client communication: Establishing relationships both ways for marketing or product information.
• Emergency Notification: Provide a trusted line of communication in the event of an emergency or disaster.

BENEFITS:

• Privacy and security: Encryption and safety features offer secure communication and message privacy.
• Digitally signed trusted messages: Enable verifiable trust in the source of the message.
• XMS broadcast: Allows your XMS messages to be broadcasted to mobile users across any networks internationally.
• Extension of mobile communications: XMS Messaging Centre extends current mobile to mobile communications to a desktop / laptop and vice versa.
• Convenience & Cost efficient: Most people are contactable on a mobile phone. Sending XMS is chargeable at the normal SMS rate.
• Zero infrastructure cost: A GSM modem is bundled with the package and integrated with your existing server.

XMS Mobile Anti Identity Theft Solution

The XMS Mobile Anti Identity Theft Solution builds upon the XMS Mobile and XMS Mobile Banking solutions that allow banks and credit card issuers to securely implement personal two-way authentication of credit card transactions in a real-time environment.

Upon usage of a credit card (either online or offline) a secure automated XMS message containing a description, location, time, and amount will be immediately received by the registered phone number of the user from the XMS Server located at the bank or credit card issuer. If the user confirms the purchase, the payment will go through.

If it is denied then payment will not take place and a caution 'flag' will automatically be placed on the user's credit card and normal investigation procedures would commence, which can go a long way in preventing credit card fraud and mitigating online risks such as phishing or identity theft.

Benefits:

• Real-time authentication: The XMS message is sent as soon as any credit card transaction is made. It therefore ties the user's credit card to his mobile phone for added security. Payment is halted until such confirmation is given, and halted if the user denies such a transaction.
• Fraud prevention: Due to the need for the user to authenticate transactions, online phishing and real-world unauthorised transactions (skimming) are prevented at the point of sale.
• Control and User confidence: Allows customers to play a more personal role of being in control of their credit card transactions.
• Flexible and Ubiquitous: Can be used for both offline and online transactions anywhere in the world.
• Cost effective: The cost of a normal SMS as opposed to IVR or Call centre agent calling every time a transaction is 'flagged'. Cost effectiveness in manual investigating and processing lower value transactions through process automation.
• Interfaces with automated response systems and customer relationship databases.
• Creation of an SMS audit trail for both the bank or credit card issuer and the customer.
• Ability to couple the XMS Credit Card Solution with other products in the XMS suite to allow for secure peer-to-peer messaging or mobile banking.

 

XMS Mobile Banking

XMS technology is an easy-to-use mobile solution that rides over the widely available SMS based infrastructure. It uses the industry-standard AES encryption algorithm that ensures confidentiality.

XMS Mobile Banking creates a new secure channel for interaction between a bank and its customers. Digitally signed and encrypted messages are used for notifications, account access, funds transfers and mobile based payments. Like ATM operations, XMS Mobile Banking is based on two-factor authentication that meets bank security requirements. XMS Mobile Banking is a virtual ATM on mobile handsets.

Mobile Banking Services

Funds Transfers: Perform funds transfers within the same bank as well as third party banks that are within the existing inter bank settlement environment.

Payments: Pay utility bills, loans and credit card bills from mobile handsets.

Notification & Queries: Sign up for notification on account balance and event updates, access account and other services such as cheque book request, statement request etc. Services can be custom-designed.

How Does It Work?

Benefits For Banks

• Banks create a new revenue stream through Mobile Banking.
• Banks save through reduced costs per user interaction as customers may perform transactions through automated and inexpensive SMS, instead of IVR or Call Centre Operations.
• Higher security and trust in Mobile Banking will promote consumer confidence and take up of mobile banking services.
• Besides creating a new point of interaction with the customer at a personal level, Mobile Banking Services lay a platform for banks to be ahead of the competition, presenting a unique branding opportunity.
• XMS technology is also being integrated with PREPAID DEBT CARDS enabling money transfers between individuals, utility payments, account information access, etc.

Maximum Security And Assurance

• XMS Mobile Banking provides two-factor authentication, a pre-requisite for most financial transactions, through:
• What you have:Registered handset with XMS Mobile Banking application.
• What you know:M-PIN registered with the Bank.
• Other security features of XMS Mobile Banking include:
• Password-based user authentication.
• Application level encryption on the handset that ensures data both at rest as well as in transit remains confidential.
• Public / Private key based authentication mechanisms and digital signatures ensure message integrity.
• Uses Bank grade encryption standard.

User Benefits

• Mobile Convenience
• Users can transact and interact with the bank anytime, anywhere.
• Ease Of Use
• A user friendly interface with clear instructions which are easy to follow.
• Peace Of Mind
• XMS technology combines strong confidentiality and data integrity along with TWO FACTOR AUTHENTICATION to provide maximum security in mobile transactions.