What is it?

Xcellink is a patented business process that specifically covers the automated data
interchange of secure and authenticated financial transactions between customers and
merchants over a local, wired, or wireless electronic link.

Xcellink is a global commerce solution that addresses all the key issues of security and inter-operability with existing systems.

Xcellink has the capability to be used in every financial transaction as a low cost alternative to cash, potentially replacing all credit, debit, charge and smart cards.

Xcellink is unique in that it enables the user; rather than the merchant, to initiate and control the transaction - without the need to provide any credit card details.

Xcellink meets consumer demands for:

• Customer Control & Security
• Lower Transaction Costs
• Operational Simplicity
• Global User Access

how it works!

At the Point of Sale

Contract information is transmitted to a user (buyer's) terminal such as a mobile phone, wireless PDA, Internet access point or other communications device over a local, wired or wireless electronic link.

The User Terminal

Contains information identifying the customer, the normal goods delivery point and the account from which funds will be withdrawn to make payment for the goods or services.

The Customer

Activates the user terminal that connects to the merchant's terminal over a local, wired or wireless electronic link, with information needed for the contract being combined and forwarded over a telecommunications network to a Financial Service Provider (FSP).

Making Payment

Activation of the process is achieved when the customer approves the transaction by entering a PIN or other confirming signal, enabling the FSP to issue a message that transfers funds from the customer to the merchant.