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| How does it work? |
There are two ways to proceed with a mobile transaction when using cellular phones at a Point-of-Sale (POS). The IVR-based system, which can be used with non-web enabled mobile phones (older cell phones), requires users to call a toll free number to proceed with the mobile payment transaction. The JAVA-based system can be used by new cell phones’ carriers that will only be required to download the JAVA application from the EBSG® website into their cell phones, allowing them to use it every time they need to make a mobile payment transaction at the POS. |
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Web (JAVA) enabled mobile phones (New phones) |
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IVR - Non-web enabled mobile phones (old phones) |
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Mobile Payment -Transaction Flow
Once the customer is ready to purchase an item, the cashier enters the amount in the POS and requests an authorization code. A unique authorization code is retrieved in real-time and provided to the customer.
The customer dials a toll-free number from his or cell phone and is prompted to enter the PIN number, followed by the authorization code. The IVR validates transaction data and requests confirmation from the system (EBSG® platform). Afterwards, the customer presses 1 to confirm or 2 to cancel the transaction. The IVR sends the transaction confirmation to iPG, and receives a response through the POS server. If approved, the IVR sends a message to the merchant’s POS terminal to print a receipt. Finally, the receipt prints automatically, followed by the second receipt (merchant’s copy). See flow chart. |
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