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TableofContents
Introduction..........................................................................................................................3
InternationalPartnersandCustomers.................................................................................4
Offerings................................................................................................................................6
MobileCommerceSuite....................................................................................................6
MobileBanking/MobileWallet..........................................................................................7
SmartMetering..................................................................................................................8
SecureVoucherManagement...........................................................................................9
OtherOfferings................................................................................................................11
Awards,Projects,andCertifications..................................................................................12
InternationalAwards.......................................................................................................12
SuccessfulSystemsIntegrationProjects..........................................................................13
GlobalIndustryStandardCertifications...........................................................................15
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Introduction
Based in the Philippines where mobile topup and mobile banking began, Telcom Live
Content, Inc. (TLCI) has been a global pioneer in electronic mobile refill solutions since
2004. As one of the first to integrate successfully with ERICSSON and Huawei prepaid
billingsystems,TLCIssolutionshandle40milliontransactionsdailyin23countries.
TLCIsMobileCommerceSuite,itsflagshipproduct,enablesvoucherlessprepaidaccount
refill for its mobile operator customers that eventually result into higher distribution
efficienciesandsubstantialsavingsbyreplacingphysicalscratchcardsanditsassociated
administrativerequirements.Meanwhile,itsMobileMoneyproductwonforitscustomer,
ZAIN Group, the mobile industry's leading annual Global Mobile Awards as the "Best
Mobile Money for the Unbanked" in February 2010. The Global Mobile Awards is an
annualeventheldbytheGSMAssociationhonoringexcellenceandinnovationinmobile
communications. The prestigious prize recognizes how mobile technology can enrich
people's lives. This TLCI product currently services 12 million customers in 7 African
nations.
ItsdedicationtoinnovationandresponsivenesstocustomerneedshaveenabledTLCIto
diversify into leading technologies, namely: Mobile Banking, Mobile Web
Communications, Smart Metering, Interconnect Billing and Settlement Systems, and
SecureVoucherManagement.
Itsprestigiousrosterofcustomersincludessomeoftheworldsleadingconglomeratesin
thetelecomandserviceindustriessuchastheAirtelGroup,theEtisalatGroup,theZAIN
Group,andIBM.
Recently,thisquarter,ithasaddedGlobeTelecommunicationsPhilippinesInc.,thesecond
biggest telecommunications company in the Philippines, as one of its new customers.
Globe Philippines has procured TLCs services for the creation of a Voucher Bridge
solution an interim solution for the migration of its voucher system from the Nokia
Siemens Networkbased system to the Amdocsbased voucher system. TLC has recently
participated in another Globe project involving the latters SIPbased service Yo!Click by
leveraging on its previous experience with Globe on the same service after having
successfully demonstrated its SIPbased service in a ProofofConcept trial three years
ago.
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InternationalPartnersandCustomers
EtisalatistheMiddleEastslargestoperatorandtheGCCsthirdlargestcorporation.With
amarketvalueofapproximatelyDhs.80billion(USD20billion)andannualrevenuesof
overDhs.32billion(USD8.7billion)Etisalatistodayonthevergeofqualifyingasoneof
thetoptenoperatorsintheworld.
Etisalatisamultinational,bluechiporganisationwithoperationsinseventeencountries
across the Middle East, Africa and Asia. An estimated 2 million people benefit from
regular work supplying Etisalat or its customers, including 53,000 who are directly
employed by the company. Etisalat now has access to a population of more than two
billionanditssatellitenetworkprovidesservicesovertwothirdsoftheplanetssurface.
SincethenthecompanyhaswitnessedrapidexpansionpositioningEtisalatasoneofthe
worlds fastest growing operators with its subscriber numbers rocketing more than
2,500%from4millionin2004to167millionattheendof2011.
Fornearly40years,EtisalathashelpedtheUAEsustainapositionastheregionshubfor
business,tradeandforeigninvestmentbyprovidingreliableandhighqualityservices.Itis
oneoftheglobaltelecommunicationindustrysinnovationpacesetterspoweringitshome
country,theUAE,intothetoptennationslistbyprovidingthelatesttechnologiesfirst.In
2011,EtisalatreportedannualNetRevenuesofDhs.32.2billion(USD8.7billion)andNet
Profits of Dhs. 5.8 billion (USD 1.58 billion) ranking Etisalat as the most profitable
companyintheUAE,andoneofthemostprofitabletelecomsgroupintheworld.in2012.
EtisalathasappointedTLCasastrategicpartnerin2012.
Airtelisdrivenbythevisionofmakingmobilecommunicationsaffordableforalltogive
people the freedom to meet their daily challenges and to drive economic and social
development.Airtelismakingapositiveimpactinthecommunitiesinwhichitoperates
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throughextendingitsnetworkstoruralareasandthroughitseducationinitiatives.
Prior to Airtels purchase in 2010 of ZAINs African interests, TLCIs extensive range of
solutionshasbeeninplaceinallAfricanoperationssince2006uptothepresent.
In 2008, ZAIN became the 4th largest mobile operator in the world in terms of
geographical presence with operations in 15 African countries and in 7 Middle Eastern
countries.By2010,ZainhadtakenthestrategicdecisiontofocusonitsMiddleEastand
North Africa operations by divesting its African interests to Bharti Airtel Limited in June
2010.
TLCIs extensive range of solutions has been widely installed in ZAIN operations since
2006.
Originally founded in 1911 with headquarters in New York, USA, IBM is a renowned
multinationalservicescompanythatholdstherecordforthemostpatentsproducedin19
consecutiveyears.
In 2012, Fortune Magazine ranked IBM the 2nd largest U.S. firm in terms of number of
employees (433,362), the 4th largest in terms of market capitalization, the ninth most
profitable,andthe19thlargestfirmintermsofrevenue.Globally,IBMwasrankedasthe
31stlargestintermsofrevenuebyForbesfor2011.
ThroughitsIndiansubsidiary,IBMhasoutsourceditssupportactivitiestoTLCIsince2010
inmobilecommerceandininterconnectbillingandsettlementsystems.
5/15
Offerings
MobileCommerceSuite
The Mobile Commerce Suite provides an innovative method of selling prepaid airtime
distribution as a complementary mechanism from traditional scratch cards or physical
vouchers. It allows transfer of funds from one distributor to the enduser retailer and
eventuallytoconsumers.
MobileCommerceSuitesupportsbothretail(B2C)andwholesale(B2B)businessmodels.
Designed in costefficient, resilient, secure, and scalable 3tier architecture, the Mobile
CommerceSuiteconsistsof3majorfunctionalmodules,namely:
Mobile Topup removes the need for physical prepaid cards or vouchers as
balance refills are done directly via mobile phone without the need for secret
numbers; results to savings from physical vouchers and its associated
administrativeandlogisticalcosts,
Me2U allows seamless transfer of prepaid account balances between two
mobile accounts in variable amounts; results to higher usage and increased
customerloyaltythroughsharingabilities,and
Electronic Vouchers via SMS facilitates the distribution of voucher data in an
electronic form in lieu of physical vouchers; results to a more secure and faster
distribution of electronic voucher data via SMS as compared to the manual
transportofphysicalvouchers.
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MobileBanking/MobileWallet
Recentlyawardedasthe"BestMobileMoneyfortheUnbanked"inthe2010annualGSM
MobileAwardsbytheGSMAssociation,TLCI'sMobileBankingsolutionenablesflexible
integrationwithfinancialinstitutionsfrombasicbatchfiletransfermethodstoadvanced
XMLbased integration methods. Coupled with TLCI's long and proven experience in
successful integrations with various telecom billing platforms, the TLCI Mobile Banking
solution affords full, rapid, and seamless integration owing to its full endtoend
operationalexperiencecoveringbothmobileandbankingsystems.
TLCI's Mobile Banking solution adheres to the strictest security standards available for
financial transactions through full compliance with ISO 8583 which is the de facto
standard for systems that exchange electronic transactions made by cardholders using
payment cards. The Mobile Banking solution is a real international system as it is only
oneofafewmobilebankingsystemsgloballywithfullmulticurrencycapabilities.
The solution's modular design affords full reusability, serviceability, and deployment
ease.Itsscalabilityisnotonlylimitedtoanationallevelbutalsoonaninternationallevel
with its full multicurrency features and its intercountry transactional capabilities as it
leveragesonthecrossborderbalancetransferandelectronicrefillfunctionalityavailable
withtheMobileCommerceSuite.
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SmartMetering
The advent of Smart Meters has allowed public utility operators such as electricity
companiestoleverageonthemobilityandubiquityofmobilenetworktechnology.This
hasrenderedbetterefficienciesandincreasedsavingstoutilityoperatorsthroughremote
and automated reading of meters as opposed to physical meter reading by people and
throughtimelymeterreadingandbillprocessing.
AclearapplicationofSmartMeteringisinprepaidelectricity.Unlikeotherproductsinthe
samearea,TLCIsSmartMeteringsolutionhasthefollowinguniqueadvantages,namely:
TLC has developed its own Meter Data Collection System (MDCS) and Meter Data
Management System (MDMS) which seamlessly integrates with its Mobile Money and
SecureVoucherManagementplatforms.
Through its partnership with a European prepaid meter manufacturer, TLC affords its
customersaturnkey,endtoendAdvancedMeteringInfrastructure(AMI)solution.
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SecureVoucherManagement
The Secure Voucher Management (SVM) application is a niche product by TLCI that
addresses the challenges of efficiency, security, and connectivity in voucher
management. This unique product enables the most secure, efficient, and directly
integrated means of generating prepaid vouchers and of transmitting voucher data to
prepaidcardmanufacturersandBillingplatforms
SVM allows mobile operators or any company with voucher requirements to generate,
encrypt,andtransmitvoucherssecurelyfromstarttofinish.
Efficiency
Mosttelecomoperatorsgenerateandsendvoucherdatatovouchermanufacturersina
userintensivemannerorinasemiautomatedmode.
SVMoffersfullautomationofvoucherrelatedprocessesfromgenerationtodeliveryto
vouchermanufacturers.
Security
SVMflexiblyoffersfourtypesofencryptionalgorithms,eithersingleorcombined,inAES,
DES,3DES,andPGPmodes.
TLCI's Secure Voucher Management has unique competitive advantages versus most
systemsavailableinthemarkettoday,namely:
Securetransmissionthroughoutthewholeprocessfromgenerationtoprinting.
Unlike other solutions which require manual decryption intervention between
generation and distribution, SVM's files are fully encrypted throughout the full
voucher management cycle. This is because SVM has a builtin multidealer
distributionfeatureallowingforthesecureandselectivetransmissionofvoucher
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data which no longer necessitates any decryption, process. This prevents fraud
andexposuretofinanciallysensitivedata,and
IntegrationwithexternalThirdpartySystems
AsanintegralfeatureofSVM,builtinintegrationwithfinancialsystemssuchasOracle
Financials is available. In addition, the usual tasks of generation and activation can be
linkedtothefinancialsystem.
SVMisfullycompatibleandinteroperablewithallmajorprepaidtelecombillingsystems
(HUAWEI,ERICSSON,andNOKIASIEMENS).
10/15
OtherOfferings
MachinetoMachine(M2M)
In addition to its Smart Metering solution, TLC has ventured into GPS tracking
applications.
Its Mobile POS solution also qualifies as an M2M solution which caters to the retail,
logistics,andfinanceverticalindustries,amongothers.
MobilePointofSale(MPOS)
TLC has developed for one of its potential customers in Myanmar and in Papua New
Guineaapaperlessmethodofcustomerregistrationviamobile.TLCspotentialcustomers
intendedtousethisapplicationtoregistercustomersinthecountrysideinacosteffective
paperlessmanner.
Using smartphones such as the Galaxy S3 or Galaxy S4, a field sales agent can collect
payments as well as gather information about the customer data (via an electronic
form),photos,signatures,andfingerprints(viaaspeciallyconnectedfingerprintscanning
device)allinonecustomizedmobileapplication.
CustomizedMobileApplicationsDevelopment
TLC maintains a talented slew of highly experienced professionals in the field of mobile
applications development. Its extensive experience covers iOs, Android, Blackberry, and
WindowsMobiledeviceoperatingsystems.
One of TLCs ongoing projects is with ETISALAT Dubai for the Mobile Ordering Cloud, a
consortiumofrestaurantsandretailers,amongthese,PizzaHut,EmiratesGeneralMarket,
TimHortons,andCarrefour.
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Awards,Projects,andCertifications
InternationalAwards
In recent years, TLCI has consistently garnered global industry recognition for its
customerswithitsawardwinningsolutions.
These awards affirm TLCIs solutions as innovative and worldclass. These awards were
givenbynolessthaneminenttelecomandfinanceindustrystandardsandpolicymaking
bodies.
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SuccessfulSystemsIntegrationProjects
TLCIs successful systems integration projects for its telco customers include a wide
gamutofindustriesfromutilitiestobanksthatutilizeitsMobileMoneysolution.
Majorprojectsundertakenwithourkeylocalandglobalcustomersincludethefollowing:
(1) ERICSSON,HuaweiElectronicDataRecord(EDR)Decoding
andInterconnectAccounting&Settlement,
(2) DynamicValidityandMISReporting,
(3) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(4) Me2U(Interaccountbalancetransfer).
(1) MobileMoneywithMobilePointofSale(POS),
(2) MobileMoneyExchangeHub,
(3) MobileShopping(NFC,QRcode,&barcodevariants),
(4) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(5) Me2U(Interaccountbalancetransfer).
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(1) MobileWallet,
(2) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),
(3) WebbasedDirectTopup,
(4) CrossborderTopupandMe2U,and
(5) SMPPGateway.
(1) SecurePrepaidVoucherGenerationandProcessing,
(2) DynamicValidityandMISReporting,
(3) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(4) Me2U(Interaccountbalancetransfer).
(1) MultiVendorVoucherBridging,
(2) OnlineVOIPServiceRegistration&SIPAuthentication,and
(3) ScalrCloudManagementPlatform.
(1) PrepaidVoucherPlatformandMigration,and
(2) SalesandDistributionSystem.
(1) MobileTopupPlatform,and
(2) MobileNetworkOperatorAPIIntegration.
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GlobalIndustryStandardCertifications
Throughtheyears,TLCssolutionshaveconsistentlyachievedglobalstandardscompliance.These
worldclasscertificationsaremadepossiblewithTLCsstrictconformancetointernationalsecurity,
qualityassurance,andverticalindustrybestpractices.
TLCsMobilePOShasbeenofficiallycertifiedasfullycompliantwith
Mastercards Terminal Integration Process (MTIP). This certification
enables Mastercard contact/contactless Chip & Magstripe
applicationsonMastercard/Maestro/CirrusEMVcards.
This achievement demonstrates TLCs knowledge, experience, and
adherencetointernationalpaymentstandardssetbyMastercard.
TLCs Mobile Money has been officially certified as fully compliant
with Mobile Money Transfer Partner Certification Product
Integration(PI)byWesternUnion.
This achievement shows TLCs knowledge, experience, and
adherence to international remittance standards set by Western
Union.
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