A PATENTED MECHANISM FOR PERFORMING COMPLEX ATTRIBUTE-BASED FINANCIAL & NON-FINANCIAL TRANSACTIONS THROUGH SECURE & SIMPLE USER RESPONSES AND INTERACTIONS.

INNOVATIVE EFT PAYMENT MECHANISM FOR MOBILE AND WEB APPLICATIONS AND OR PROVIDERS TO BANKS, E-WALLETS, PAYMENT SWITCHES, INTERMEDIARIES, RETAILERS, INFORMAL TRADERS AND MANY MORE.

Financial transactions:

  • Mobile payments – push payment via EFT / Wire Transfers to merchants.
  • Card-less cash withdrawals at retail, ATM, agents or any 2D enabled point.
  • Deposits at any enabled transaction point.
  • Peer-to-Peer transfers
  • Performed from Smart Phone apps & low-tech text strings (USSD)

The list of non-financial transactions where the 2D mechanism could be implemented is almost unlimited in nature. Listed below some of them:

  • Competition, subscription and validations.
  • Voting for entities.
  • Permission granted for release of information request.
  • Complex rules and conditional action based transactions.
  • User interaction where old technology is used (aka USSD strings)

SIMPLE USER JOURNEY – SIMPLE PUSH PAYMENT

SOME EXISTING 2D ENABLED COMMUNITIES, INTERMEDIARIES AND MERCHANT NETWORKS