X
GO

Technology

Technology

INNOVATIVE TECHNOLOGY WITH AN EAR FOR THE FUTURE

Our contactless data-over-voice technology ensures secure and seamless proximity transactions.

PRACTICAL AND SIMPLE

The system was created with an emphasis on practicality and simplicity, with the aim of creating mobile transaction technology that can be used for multiple useful services in the easiest, most secure and cost effective manner.

In order to provide a world-class level of service in usually complex projects, Margento's underlying technology and solutions need to be proven and dependable, highly scalable and flexible, developed and maintained by teams who possess a broad base of expertise across different industries.

Margento offers proven Platform architecture, modular software solutions and reliable point of sale/point of use equipment, know-how and extensive industry experience, by delivering mobile transaction solutions that take your business forward.

WE PROVIDE INDUSTRY SPECIFIC PRODUCTS, SOLUTIONS AND SERVICES. ON ANY PHONE.

HOLISTIC AND AGNOSTIC

We strive to provide unparalleled transaction solutions in all aspects, from Face-2-Face locations (bricks and mortar), with support for arious terminal equipment, to centralized Platforms for conducting transaction capturing, processing and communication with different 3rd party entities.

To implement solutions on Face-2-Face locations, we utilize various hardware equipment, ranging from generic, dedicated to bespoke variants, which are currently active across the globe with Margento technology implementations.

  • Mobile phones & tablets with Android /iOS,
  • Terminal equipment from various producers,
  • In-house developed hardware

When conducting "the last inch" interaction between two entities, Margento uses various technologies, including:

  • Unique and universal - Data Over Voice (DOV)
  • Generic mobile handset related (USSD, SMS, BLE, NFC, QR…)
  • Plastic cards (MagStripe, Chip or Contactless)

 

DATA-OVER-VOICE

DOV stands for proprietary contactless data-over-voice transaction technology. Using the voice channel of the customer’s mobile phone, DOV ensures fast, highly secure and cost-effective wireless transmission of transaction messages in Face-2-Face solutions.

Data-over-voice technology


Key advantages:

  • does not require a mobile app to operate – uses voice call
  • works on any handset, independent of its OS platform
  • does not interact with the mobile operator’s core services.  
     

MARGENTO PLATFORM

Margento Platform is a set of applications developed by Margento’s engineers and is the central point of the Margento System.  The platform performs several roles and tasks:

  • Transaction Capturing
  • Transaction Processing
  • Customer Account Issuing (Mobile & Cards)
  • Stored Value Account Management
  • Clearing & Settlement
  • Merchant Management
  • Reporting & Analyses
  • Charge Aggregation, Refunds & Reversals
  • Customer Support Tools

About Margento

Margento is an innovative global provider of powerful mobile transactions and payment solutions. At the core of our technology is the ability to turn any mobile phone into an easy-to-use, convenient, and secure payment and transaction instrument.

 

Margento solutions and services have been successfully implemented and utilized by many prominent financial institutions, mobile operators, retailers and other businesses worldwide.