Mobipay Spain is a joint venture formed by all Spanish current mobile operators and 80% of the financial institutions. Mobipay’s aim is to launch mobile commerce services in Spain by transforming the mobile handset into a user-friendly, flexible and safer means of payments.

"We wanted a partner with extensive experience in a variety of business segments especially in the telecommunications, finance, IT, business continuity and managed services arenas. Atos Origin was the best choice to provide us with this mix. It was certainly imperative for us to count on the most reliable and secure technology to introduce next-generation mobile services. The Atos Origin best-in-class proven solutions facilitated our choice."

Carlos Vila, CTO, Mobipay Spain

Business Challenges

• Provide a mobile payment end-to-end solution based on a co-operative business model integrating mobile operators and financial institutions.

Solutions

• Telcofinance performs the real-time transaction routing interacting withbanks, payment processors, merchants and mobile network operators. The system is designed to process, validate and route authorization requests for transactions against credit/debit cards, virtual wallets, billing systems, etc.
• Integration of all payment processors and operators into a single platform.
• Systems Integration: SMS/USSD messaging systems, transaction router and optimization of existing infrastructures.
• Managed Services: Atos Origin is outsourcing the business processes and infrastructure.
• Consultancy in USSD messaging implementation.
• Atos Origin’s USSD Gateway used to create testing environments.
• Consultancy for Mobipay International on the expansion of the service worldwide.
• Design and implementation of a transaction rating engine.

Benefits

• Lower costs and reduced risk: Mobipay can trust its process to a reliable partner who helps them to save resources.
• Seamless integration: quick and easy integration of all partners involved in the model.
• Scalable to new channels and for growth.
• Security: the solution has been designed for end-to-end control in the transactions. USSD messaging supports secure sensitive information delivery.

Download Full Case Study