AN INNOVATIVE ELECTRONIC DELIVERY AND EXECUTION PROCESS FOR CREDIT TRANSACTION AND/OR SECURITY WITH

CONSUMER IDENTIFICATION PROTECTION ON THE CELL PHONE

CELL PHONE PAYMENT PROCESSING SYSTEM

Xecure Logics

Xecure Logics has been existed since 2001 as the electronic security delivery for any transactions

Mr. Randy Phillips has been in the electronics and wireless telephone in the last 25 years and the head manager for International Investment Fund

Xecure Logics products including: Medical database and Informatics management, Electronic message transaction security, Payment processing and credit card transaction security and consumer ID shield

Cell phone Payment Processing System

In the last 10 years, Xecure Logics has developed a complete Payment process that combines all the payment systems in the market and much more

Recently XL intergrades its Payment Processing system and Credit Card Transaction Security into the CELL PHONE Electronic Execution Platform to offer the consumers and the vendors an absolute system of payment that is 100% protection, not only in the payment processing but in the consumer Identification security as well

Consumer POWER

In our process, the consumer will have the powers in the cell phone payment process as follow:

The payment will NOT ever be taken place UNLESS and UNTIL the consumer approves it

In Our process, any payment transaction will have to complete three electronic delivery and/or execution procedures : Credit/Payment NOTIFICATION, AUTHORIZATION and CONFIRMATION

And So Tony wants to use XL Services

He signs up the service with XLHe receives an ICON on his cell phoneEach time he wants to pay for anything he

just use his cell phone as the credit cardXL will serve as the electronic Intermediate

Server which will perform any request or commandant by the consumer

It will manage and contact to the right sources to fulfill the consumer demand

Tony at a cash register

Tony goes to a department store to buy something

At the cash register Tony has a few optionsHe can pay for the merchandise in cashHe can pay by checkOr he can pay by creditXL offers the new electronic payment for the

consumer in any payment situations by using his phone as the electronic wallet and / or credit card

PAYMENT NOTIFICATION PROCESS

At the cash register Tony points his cell phone to the Cash Register

His cell phone IR will interact with the cash register Electronic Payment Process System

He then receives a message from his cell phone starting that … Purchasing XXX items… at XXX store… Date and Time… and the total is XXX

He will have the total right to exam the transaction information in our PAYMENT NOTIFICATION PROCESS

The Consumer Power in one CLICK

After checking the message… Tony will have two specific options

Press 2 to reject – and the transaction terminated

Press 1 to accept the transaction. In this process, the payment process will NOT ever take place UNLESS and UNTIL the consumer Press 1 on his cell phone

This act will perform the AUTHORIZATION and CONFIRMATION in our Electronic Payment Execution Delivering Process

BEYOND THE CELL PHONE

Our Payment Security program goes beyond the credit transaction by the CELL PHONE

Anytime one use the credit card to pay for the transaction… The cell phone, in this case will be used as the E KEY to perform the consumer commandant in the credit transaction security and/or protection process

We apply the concept E Key + E Code = E Security in any payment security process and the cell phone is the E key and Pressing 1 or 2 is the E Code

Tony at the cash register

Tony offers his credit card at cash registerAs soon as the card swiped, XL system

activatedIt will contact Tony on his cell phoneHe will see a transaction message at POSHe exam the message and selects the optionIf he press 2 the transaction to be terminatedThe credit card payment transaction can only

take place UNLESS and UNTIL IF/WHEN Tony Press 1 to authorize the process to complete

100% Credit Transaction Protection

In our process, the credit number only to be used as the means to get the process started

The real important and critical element is the consumer payment/credit Authorization process

In this instance, for the credit fraud to take place , one must have a credit card and the cell phone with the phone number and access code

And the odd is one over ten trillions…100% credit transaction protection

Cell Phone Credit Card Control

By having the Notification and Authorization process in one cell phone… One can control credit transaction

If one gives a credit card to the other to buy food and got the message the credit to be used to buy BEER

Or if one allows the credit to be spent at 500 dollars limit and the transaction message is 2000 dollars

One will have the power to terminate or reset the transaction limit on his cell phone

Back to the CELL PHONE

In our process, the cell phone, only to be used as the payment for credit transaction… but for the checking and saving accounts as well

We apply the concept of payment online with the addition of NOTIFICATION, AUTHORIZATION and CONFIRMATION Process

In this instance, the cell phone serves as the security blanket in the payment transaction process

Payment Management System

One, in our system can manage the payment very well if one use the different credit card and different checking and saving accounts

One can pay for 4,000 dollars transaction by paying 1000 for card 1 and 1000 for card 2 with 1000 from saving and 1000 dollars from the checking accounts

In this instance, the cell phone becomes the useful tool for one to use the money wisely and able to manage his financial matters better

TIPS Services

It is the Total Identification Protection Service-TIPS

In this process before the consumer enter to the cyberspace or involve with any electronic transaction he should log in to TIPS server

By doing so, TIPS ID will be the one appears on the Cyberspace and Electronic Data Record, not the consumer – Thus the consumer real ID and purchasing info will be secured and protect 100%

Tony and TIPS

Tony buys a Hat at Buy.comHe log in to TIPS service – By doing so TIPS

is the one who buys the Hat – Not TonyUsing our service TIPS will pay for the Hat,

on Tony behalf and on TIPS Generic Credit Account

And the hat will be shipped to TIPS Generic address before converting to Tony real Address

In doing so Tony ID has never been exposed in the entire transaction

Other TIPS Services

TIPS can be used in any activities in the cyberspace or any electronic transaction

And therefore, one can search, surf, chat, playing game, bid … and anything else in the internet without his/her ID to be exposed

By doing so, even if the hacker breaks in Buy.com database, he will have a number of TIPS transaction with the Generic TIPS ID, Generic TIPS credit card numbers… in which it is useless in terms of ID thief and credit fraud

Beyond Credit/Cash Transaction

Our Electronic transaction security platform of using the cell phone can be applied to all electronic transactions in addition to credit/cash transactions

This process can be used for Medical Record File open/viewing, banking/financial file open…

In the process of Notification and Authorization, our system offers an innovative means for the consumer to be informed of the transaction info and able to make the final act before any electronic transaction to take place

Let’s Recap

Xecure Logics has developed an electronic delivery and execution platform that offers the Payment process by the cell phone with the NOTIFICATION AUTHORIZATION and CONFIRMATION features

In this process, the payment transaction will NOT ever be taken place UNLESS and UNTIL the consumer to be notified … and authorized the process to be completed

This process will prevent 100% transaction fraud

Recap 2

Our process use the cell phone as the means to pay for any purchasing transaction

The cell phone can also be used as the E Key in any electronic transaction with the Notification process with the act of pressing the key to authorize and confirm the transaction process

It is to be used as the Payment Management system, and able to intergrade with the TIPS for the consumer Identification Protection as well

Recap 3

The Cell Phone Electronic Security Transaction System can be used in the regular credit transaction with a full security protection as the Notification and Authorization processes required

This concept also to be used with the Medical File and Financial Record opening and reviewing

The consumer; by signing up with TIPS will have a full protection, not only on his ID exposure but the transaction security electronically as well

Xecure Logics Uniqueness

No one in the world can claim that she has the Cell Phone Payment Process and Electronic Transaction Security Platform Like Xecure Logics

Xecure Logics is a only company in the world that has the NOTIFICATION and AUTHORIZATION features in its Electronic Security Platform

No one has more complete and unique Cell Phone Payment and Electronic Security Transaction like Xecure Logics

Consumer POV

Xecure Logics provides to the consumersThe new innovative cell phone payment

processThe credit card security fraud protectionThe notion of knowing what is going on The power of making the final decision in any

electronic transactionThe chance to maximize his cell phone usageThe protection for his ID in the cyberspace

and in any electronic transaction

Vendor POV

Xecure Logics offers the vendor following services

The liability of credit fraudA new service of Payment processing system

without additional investment on the equipment/hardware

An electronic security platform that WORRY FREE in term of the database being compromised ( TIPS)

A much faster process in payment receivable and/or credit transaction with the lower cost in credit payment processing

Credit Card Provider POV

Xecure Logics offers for the Credit Card Provider

An absolute credit card fraud protectionA new electronic delivery service without

new costA program which will provide to the

consumer 100% Peace of Mind in any credit transaction

An Electronic procedure system in which the consumer has the absolute power in making the decision in any credit card transaction

Cell Phone provider POV

Xecure Logics offer Cell Phone Provider:To provide new services to the customersAble to attract new customersExpand the services to the existing clients

with more minutes to be used or more time to activate the cell phone system

New services provided without new costs in investing in the new hardware/software or any new equipment

Potential Customer

Anyone with the cell phoneAnyone who uses the credit cardAnyone that has the checking/saving

accountsAny payment processing that involve with the

cash register and cell phoneAny credit card transactionsAny electronic transactions that require the

protection and security

A trillion dollars daily project

If this project involves with@ All Cell Phone Payment Process@ All Credit Card Transactions@ All Electronic Transactions at all@ All Payments online This will be the first time in the history of mankind that the project is dealing with a trillion dollars in the daily bases

Complex Issue – Simple Process

The electronic transaction security issue is the most complicate matter in the 21st century daily living

But by a click in one computer and a press in one cell phone… It will resolve this problem completely

Xecure Logics take pride to introduce this concept with the notion that our service will make a significant difference in the people life to enhance the reality and enrich the 21st century electronic usage

To Be Continued

Thanks for the privilege to introduce this process and concept to you… We look for the opportunity to get your advices and guidance to pursue this project in the right footing and able progress accordingly

We can be contacted atRandy L Phillips : 585-202-3482Tony T. Tran : 585-342-3468John E. Benson : 585-943-8118Or Tonytran.PHR@Gmail.com