M-CodeOne Bar Code Scanner Using Phone's Camera Feature to Process Bill Payments and Brazilian Boletos Directly from User's Mobile Telephone

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M-CodeOne's unique patent pending new feature software release converts the mobile telephone’s built in camera into a bar code scanner -Reader to Process Online Bill Payments Directly from User's Mobile Telephone. This is done without the need of a computer, using just a cell phone with a camera, GPRS or 3G connectivity for Internet access, and a few simple steps provided within CodeOne’s Mobile Application. Once the user scans the bar code from the paper bill, computer screen--or in the case of Brazilian users, from a Boleto Bancario-- a CodeOne user simply confirms the value and enters the personal financial PIN to complete payment direct via mobile phone.

MCodeOne Mobile Bill Payments unique patent pending now released feature allows the user to: pay a paper or electronic bill by just scanning a 2D bar code (printed in the invoice or receipt by the biller), or displayed on the computer screen from the biller's web site; to collect the billing information for that particular billing cycle; to access the provided URL, enter the provided user name and password scanned from the 2D bar code; and to display the value that is about to be paid via CodeOne.

Brazilian Boleto Bancário currently processes about 20 percent of the ePayments in the country. When Brazilian Consumers choose to pay via Boleto Bancário, they are provided with a prefilled Boleto Bancários bank slip in a popup window. At that point, the consumer , or the receiving party generating this “boleto” for one of its customers, has the option of either printing the form and physically paying with cash at any bank branch, businesses authorized point of payment, or paying online through internet banking.

“Sometimes with the rush rush of the daily life, you just realize that forgot to pay a bill and … you just get the cell phone and pay, that easy?... more secure, too... no more lines, that's real nice,” said Maria De Oliveira, 34.

Most Brazilians using the “boleto bancario” to pay for their billls spend an average of 40 minutes or more on a physical bank line so they can pay their electric, school, car, and any other bill; plus, in many cases, another one to two hours can be spent by the same user inside a bus just to go to a physical location, regardless of the existence of many other points of payment available.

Five times more people have access to a mobile phone than to an Internet-enabled computer, not to mention that people under 30 largely prefer to access the Internet by mobile telephone rather than by computer. Since the payment of “Boleto” is currently a bank regulated format for payment via Interleaved 2 of 5 bar codes, M-CodeOne also offers capability to ready 1D bar code and to enter information for the case of Brazilian Boletos.

There are many reasons that people would rather pay their bill via mobile phone. When customer has access to, and choose to use a computer, the process, most of the time, is a very tedious one for online payments, since, for security reasons, is a complicated process very hard to use for consumers due to too many steps required in order to successfully complete an online payment transaction.

The user must log-in through the bank's web site, satisfy a series of security check point requests, and in the case of “boleto bancario”, to enter a 47 numbers long code in order to open the right online document for payment. This is far too complicated and tedious for many people. Not to mention that most of time, with most people busy life style, this kind of access is not always readily available when the user do have some time to take care of this personal issues, for example, during lunch hours, traveling inside a train or bus going to work, etc.

With MCodeOne Bill Payment this is done without the need of a computer, using just a cell phone with a camera (common on most mobile phones today with GPRS or 3G connectivity for Internet access), and be able to follow a few simple steps provided within CodeOne’s Mobile Application.

Once the user scans the 2D or 1D bar code from a paper document, (or even from a computer screen in case, for example, if he received a boleto bancario by email), he just has to confirm the value to be paid and to enter the associated financial PIN to the bank account selected from the application for that payment. Once he clicks the send bottom, payment is done in few seconds.

The 2D bar Code in many cases is better than 1D code since it provides a better encoding system. CodeOne Mobile Bill Payment also provides free license APIs to any developer, business, financial institution, or software billing integrator to use this new feature. The 2D bar code system from CodeOne Mobile Bill Payment generates 2D Bar Codes directly in the mobile phone without the need of an Internet connection, and reads the bar code on the mobile telephone; already standard features when paying and receiving via CodeOne Mobile Payment.

Many business configuration are possible, for example in the case of the biller, a URL address can be defined for each biller. This way each biller is registered with financial institution using CodeOne for this service. At the biller's computer or “boleto software generator server from the financial institution, a Client Software 2D Bar Code Application is installed so the biller will be able to generate the 2D bar codes with the necessary information from its customer base.

Once the biller finishes generating 2D Codes for just one batch of customers, for example, a file CSV (comma-separated value) is available to be exported into any billing software used by the biller.

The biller's billing software then just needs to be configured to import the 2D bar codes JPEG or PNG pictures from this 2D bar Code One file, generated for each customer, and to print this 2D code any place on the paper billing statement or biller's web site when appropriate.

Once the customer opens this bill he will be able to see this 2D Code and to realize that the facilitated mobile payment process is available to him.

Part of the license to use this free application is a small written message to end users to download the application from CodeOne, so they will be able to enjoy this service for free (not including any wireless network cost that may apply, depending on the end user's data plan).

Once the biller installs the application, his client application will also register each customer with the available data from his billing information, such as name, address, and telephone number for the account creation. This can be done manually or automatically via a file transfer (CSV file) that biller pre-selects and up loads to our system. The generation of this file is done via a step-by-step provided by the client application, located in Tools, Register Users File.

This file is encrypted with the biller's selected password, and for that reason, once the file is successfully transferred to our system, the biller must logon and select the uploaded file with the same password to complete the registration process of his customer base. Only the biller can open this uploaded file, since it was sent encrypted by the biller's selected password. This password is selected by the biller during the file generation. From the biller's customer base, each of his customers is then registered into CodeOne.

If the end user (biller's customer) mobile phone number is not yet available, a temporary user ID and password will be generated, and end user can complete this information during mobile configuration process.

This new user account will then be sent to the end user registered email from the biller’s computer informing the user about this tool for mobile payment.

If an e-mail address is not yet available, this information will be sent with the paper billing statement, so the end user will have this information as the end user is reviewing the bills (paper or electronic version) as usual.

If done via e-mail, once the end user clicks at the link sent from CodeOne for new account verification, the user will be redirected to CodeOne's web page or the financial institution powered by M-CodeOne Mobile Bill Payment to complete the information regarding the banks and credit cards the end user may want to use with this application. A text message will be sent to the registered mobile phone to initiate download of the application directly into the end user's mobile phone.

Once the user downloads the application into his cell phone, the system will ask him to enter the user name and password from CodeOne to complete his mobile registration in the system, which in this case is already available from the 2D bar code, since the biller already pre-register its customer base.

After registration is completed, all the temporarily information provided by the end user to configure the system will be deleted from our system, and only the biller will have the information related to that end user. That way, the biller’s customer base is always protected. If end the user forgets his password or PIN used during the configuration process he will have to re-do this process, since our system will not be able to retrieve this information. This is done for security reasons.

Along with the bill, detailed information about this service should be sent the first time this service is used, so that the end user will be able to initiated this registration process.

In Europe, The Single Euro Payments Area (SEPA) involves the creation of a zone for the euro or any currency whose member state wishes to participate. SEPA is designed to enable customers to make cashless euro payments to anyone located anywhere in the area using only a single bank account and a single set of payment instruments. M-CodeOne Mobile Bill Payment system can also potentially be used with SEPA, since the M-CodeOne unique mobile payment features are designed to provide this service from a mobile phone.

CodeOne Mobile Payment Platform patent pending core technology allows a mobile payment transaction with a single code – CodeOne at the moment of transaction, and is capable of identify the end user, the bank account, the type of card, value of purchase, in just a few hundreds of milliseconds thanks to exclusive patent pending technology developed by the M-CodeOne Corporation.

CodeOne is designed to be multi-bank, multi-acquirer, multi-operator, so thin and thick infrastructure hardware software architecture carrier level designed to harmoniously operate under these conditions. Native designed to run in JAVA, but also available for Android, Iphone, and Blackberry. CodeOne's Mobile Payment solutions are now open for end user's around the globe to beta test its software's new version.

In addition to Mobile Bill Payment, and QR Code capability to generate and to read locally in the cell phone without connectivity to the Internet 2D bar code, M-CodeOne's feature of no download no signal requirement is strategic for companies entering mobile payment segment, since immediate deployment of business solutions are possible without too much dependency on deployment time for application to be download into millions of cellphones, and major concerns regarding global solution that works everywhere, any time, any place – meaning, to be able to complete a mobile payment transaction secure, easy, and fast to the end user and companies deployment CodeOne's Mobile Payment Platform.

CodeOne is NFC ready since all necessary infra-structure and application solutions are easily interfaced with NFC hardware and software infra-structure using one API to interface CodeOne protocol when NFC equipment is available in large scale in the market.

For more information on how to registered to receive detailed information on this new released feature or any any other one, please visit CodeOne's web page at http://www.mcodeone.com.

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