Broadband wireless and e-commerce technology solutions

System Overview

        Designed for the Post Offices and Banks of the Developing World, the cost-effective and affordable electronic Postal Money Order (ePMO) or Bank Money Order (BMO) system converts the paper-based Money Order processing into electronic processing.
        Senders and the recipients will be enrolled in the ePMO/BMO system by the tellers of the Post Offices and Banks to comply with the guidelines of the Anti Money Laundering Laws of every country. All enrolled customers will be provided with a Postal/Cash Card that has the functionalities of an ATM/Debit card and could also serve as a valid identification ID.
        The proceeds of the ePMO/BMO is instantaneously available from anywhere in the world through participating Post Offices and Banks. Withdrawal is done through the ATM terminals or at the counters of Post Offices and Banks. Cardholders can also use the Postal/Cash Card for online shopping and shall have access to their respective accounts anytime and anywhere through the Internet 24 hours a day, 7 days a week.
        Tellers tasked to perform the enrollment process and/or processing of ePMO/BMO will be validated and verified thru a username name and password before gaining access to conduct an ePMO/BMO transaction or enrolment. Once a transaction or an enrolment record is created, the identity of the teller processing the transaction together with the timestamp will likewise be saved in the database.
        Several types of users may access the ePMO system depending on their security and access levels. A teller will have access rights to be able to enroll and do transactions for customers. System administrators and managers on the other hand will have the capability of managing teller-users. A Post Office or a Bank branch that is connected to system will have its own set of tellers who were registered by the location manager or administrator. The branch manager or administrator of a particular location in turn is registered and administered by the corporate or head office administrator.
        The system generates reports on demand per location, municipality or city, province and region with viewing capabilities limited only to the scope of a teller, postmaster or regional director. The teller for a particular location can only view his or her transactions. The postmaster can view transactions only within his or her post office while a regional director can only view transactions within his or her particular region. National aggregated reports will only be accessible to the postmaster-general. All accounts are reconciled on a daily basis.

The ePMO Terminal is a convergence of payment systems especially designed to securely process the purchase or encashment of electronic Postal Money Order (ePMO) transactions. It operates as a Point of Sale (POS) terminal similar to POS terminals used by merchants to process credit and debit card payment transactions. Tellers of the Post Offices or Banks have the flexibility to service clients over the counter with or without ePMO cards.

What makes the ePMO Terminal unique?

The ePMO Terminal is a great challenge for hackers to compromise its security. Hackers will attack the keys that were generated based on a random generator. Our proprietary and patented Key Exchange Technology (KET) generates the keys based on a pseudo random number generator making it unpredictable, thus, difficult to break. Competing key exchange technologies, other than expensive to maintain are using complex random number generators that result in a longer key exchange process than KET. The unique feature of KET is the simplicity of the key exchange process. Therefore, it is faster than the complex process of the competing key exchange technologies. KET was designed to support Rijndael, RC6, MARS, Twofish, Serpent and DES.

KET is not dependent on any specific transport mechanism. It can perform on any transport mechanism of the encrypted data such as IP, HTTP, SMTP, SSL or VPN.

Other Features

Authentication is done through a proprietary dynamic symmetric key exchange method.

Only duly registered ePMO Terminals that are specifically designated to a particular Post

Office or Bank can have access to the ePMO System.

Authorized users, duly registered with the ePMO System cannot use their access accounts and passwords in other computers that may be available from their homes, public libraries or Internet cafes.

Designed to run in a 'read only' and therefore not subject to malicious user meddling or virus infiltration.

DHCP (Dynamic Host Configuration Protocol)

Contains the remote management, networking functionality and other features users have come to expect from Microsoft Windows XP.

Completely solid state without reliance on spinning disks or other moving parts. Therefore, the user will not have the fear of destroying anything.

The DreamPhone is a secured e-Wallet that protects a client from identity theft. The security technology applied to the DreamPhone is similar to the security technology that was integrated into the ePMO terminals terminals (see Electronic Money Order above) as a virtual POS terminal for Post Offices, Banks and Merchants. Hackers will find the use of your password and ID useless when applied to any computing device that is not authenticated by ASECNet. The DreamPhone is configured with a proprietary and patented security technology to guarantee integrity and non-repudiation of electronic commerce, electronic money order, payment and funds transfer transactions over the unsecured lines of the Internet.

Authentication is done through a proprietary dynamic symmetric key exchange method. Only duly registered DreamPhones can have access to the transaction processing network of ASECNet. Authorized users, duly registered with the bank or post office cannot use their access accounts and passwords in other computers or mobile devices that are not authenticated by the key management server.
Using the DreamPhone as a mobile PC, clients have the capability to perform word processing, exchange graphics or pictures with loved ones, do online chat, send or receive email and text messages, and perform other multimedia applications similar to a desktop PC, such as downloading music, and accessing internet broadcasts of television and radio programs.

As an Internet phone using available broadband wireless access to the Internet from a Hotspot or in a much wider area called a WiFi Zone, a DreamPhone user sends and receives local or international calls in the same manner that a regular home phone or cellular phone is used. Long distance charges do not apply for calls made to other DreamPhone members anywhere in the world. It is a free call. Otherwise, long distance calls originating from or terminating in the PSTN of a Public Telephone Entity will be charged accordingly and guaranteed to be competitive in the prevailing long distance market rates.