PROSA Forms Partnership with CPNI to Provide Mobile Payment Infrastructure in Mexico

    Mexican Node Added to the PAT Global Mobile Payment Messaging Network

    PROSA and CPNI join forces to create mobile payment infrastructure for
    Mexican banks so that they have the opportunity to provide their
    customers with the ability to send money to other people, make purchases
    at merchants or perform mobile banking services with their mobile phone.

    TORONTO, Nov. 20 /CNW/ - CPNI Inc. (CPNI), an IBM Business Partner, today
announced a working agreement with PROSA (Promocion y Operacion, S.A. de
C.V.), the largest provider of electronic transactions in Latin America. In
the terms of the agreement, PROSA will provide financial institutions in
Mexico with the centralized payments processing backbone for CPNI's Phone
Authorized Transfer(TM) (PAT(TM)) mobile payment solutions.
    PAT global, bank-branded mobile solutions enable bank customers to make
payments and transfers or access banking services using a mobile phone. PAT
offerings feature global mobile payment message routing, which empowers banks
to offer person to person and person to merchant remote payments and transfers
as well as mobile banking services. Banks are able to leverage their existing
accounts, security processes and settlement channels.
    Customers download a bank-branded Java application to their mobile phone,
providing access to all PAT services available from their bank. Other
interfaces are also available. To make transfers or purchases, customers
simply provide the recipient's or merchant's telephone number, select a bank
account or credit card and enter the amount of the transaction.
    PATsend(TM) (e.g., remittances, parents to students) allows people to
send money to other people using their phone. Prompting the consumer through
the transfer process, PATsend enables intra and interbank account transfers,
and transfers to unregistered users, anywhere in the world.
    PATbuy(TM) (e.g., prepaid mobile phone top-up, movies) allows bank
customers to make purchases at participating merchants around the world using
their phone. PATbuy offers customers access to a limitless number of merchants
from a single application on their phone. Registered merchants can immediately
accept payments from all PATbuy consumers.
    PATbank(TM) (e.g., pay bills, view statements) delivers a range of
dynamic mobile banking services to the customer through their phone. Customers
can choose from a selection of available banking activities for instant
account administration.
    With almost 40 years of experience in the payment market, PROSA operates
one of the most important payment switches in the world, processing more than
1.3 billion transactions annually, the largest volume of electronic
transactions in Latin America for a single provider. PROSA facilitates the
majority of transactions made at point of sale terminals throughout Mexico and
Latin America, including American Express, Visa and MasterCard, as well as the
ATM's of HSBC, Santander, Scotiabank, Banorte, Banjercito, Banca Afirme,
Interacciones, Ixe, Invex, Banregio, and other financial institutions in
Mexico, Puerto Rico, and Latin America.
    "Today's announcement of our partnership with PROSA and the addition of a
node to the PAT global mobile payments network is an important step forward,"
comments Patrick Bird, President and CEO of CPNI Inc. "PROSA has the power to
help deliver PAT solutions to the Mexican banking community and make
convenient mobile transfers and payments a reality for the people of Mexico.
USD $25 billion in remittances flowed into Mexico last year, which does not
include undocumented money transfers. PAT gives banks an innovative way to
reclaim ground lost in this market and compete against alternative money
transfer organizations, while also providing mobile banking services and a new
way of making merchant purchases."
    As a bank-branded service, PAT solutions engender trust from consumers
since they are using a product offered by their own bank. The PAT family of
solutions makes it easy for banks to accelerate the number of mobile
transactions performed by their customers by giving these customers access to
a limitless number of people and merchants to whom they can send money.

    About PROSA

    Promocion y Operacion, S.A. de C.V. (PROSA), is the largest provider of
electronic transactions in Latin America. Its services include routing,
authorization, settlement, and clearinghouse of electronic transactions, as
well as the operation of point-of-sale terminals, automatic teller machines,
internet applications, and other related services. For more information, visit

    About CPNI

    CPNI Inc. (CPNI), an IBM Business Partner, is a private software
development company headquartered in Toronto, Canada. For banks seeking a
mobile payment solution, CPNI provides Phone Authorized Transfer (PAT), a
global, bank-branded solution for remote payments. PAT allows people to make
payments, purchases or transfers using a mobile phone, while banks leverage
existing accounts, security policies and settlement channels. PAT software
solutions empower banks to compete against 3rd party payment providers by
enabling payments and transfers to be made with convenience, speed, security
and low cost using a mobile phone. For more information, visit the company's
web site at

For further information:

For further information: Brady Frost, CPNI Inc., (978) 921-5600
telephone, (617) 201-3876 mobile,

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