The Monneta Product Suite

• Solutions in the Monneta Product Suite
• System Overview
• Technical Features
• Business Benefits

The Monneta Product Suite enables any business, including financial institutions, merchants, portals and wireless carriers to extend a variety of payment services directly to its customer base. 

At the core of the suite is a robust transaction engine that enables a wide array of payment methods. Monneta products are fully J2EE compliant, and are designed to tightly integrate with legacy systems. The result is a suite of secure, configurable applications that support a broad suite of payment products, including card-based purchasing and stored value solutions. 

For purchasing via debit and credit card, the engine implements the next generation of secure payment protocols for the Internet, such as NACHA's ISAP, Maestro's E-M Commerce, VISA 3-D Secure and MasterCard SPA. Stored value solutions include virtual gift cards and certificates, and person-to-person, which enables "pay anyone" capabilities using e-mail notification.

In addition, our innovative approach to payment technology is not disruptive. The ETI Transaction Engine is designed to seamlessly integrate with existing payment value chains, removing a significant barrier to adoption for financial institutions and merchants.

Solutions in the Monneta Product Suite       >>top

• Debit
  
• Credit
• Stored Value
  - Gift Certificate
  - Gift Card
  - PayAnyone
  - Loyalty
• Mobile
  - Wireless Postpaid
  - Wireless Prepaid
  - Wireless Prepaid Recharge

Technical features       >>top

As the same transaction engine powers all solutions in the Monneta Product Suite, they share the following technical features:

• Platform independent J2EE architecture, typically allowing installation on existing hardware and database platforms
• Proven, scalable and reliable transaction engine, allowing investments in technology to grow with the business
• State-of-the-art encryption, authentication and digital signatures ensure payment integrity and consumer privacy through technology – not policy
• Use of industry standard protocols eases integration with legacy systems
• Modular design enables service providers to deploy some or all of the Monneta products on a common system
• Customizable look and feel to meet the unique branding and user experience needs of each client
• Consumer software that may be deployed in a local or hosted configuration
• Interfaces for:
  • Credit/debit card funding
  • ACH funding and offload
  • Real-time DDA funding and offload via ISO 8583
  • Real-time and batch proprietary system funding and offload
• Flexible implementation options:
  • Quick-start implementation at a preferred financial processor
  • In-house implementation supported by ETI technical staff or consulting partners

ETI products use the best technology available for safeguarding and securing Internet payment transactions. We use commercial-grade cryptography, including digital-signature technology based on public-key encryption: the most secure technology available for protecting information. eCash Technologies is among the first companies to use such a high grade of security to protect payments.

• Introduce new payment options to differentiate your service offerings without disrupting current systems and processes
• Increase revenues by reaching new markets
• Improve your margins through new cross-selling opportunities
• Reinforce your brand by offering new payment services with software solutions that do not disintermediate