Vipera has over 10 years of experience in developing core technology that allows for the rapid development, deployment and delivery of mobile financial services.

MOTIF with this central architecture provides a stable and secure interface with enterprise systems that can be built and plugged into and operate from the Vipera Platform. It is being constantly developed, refined and improved to increase its capacity to support new solutions to emerging mobile financial challenges.

It is multi-service, cross-carrier and cross-device – supporting iPhone, BlackBerry, Windows Mobile and Android handsets.

  • Mobile Payments, the purchasing of digital or physical goods and services securely via the mobile web
  • Local/Proximity Mobile Payments, the purchasing of goods at a store’s physical location using the mobile phone as a payment mechanism and as an alternative to cash or cards
  • Mobile Banking, aimed at existing bank account holders and offering standard online banking directly to the mobile phone
  • Mobile Money Transfers/Remittances, the secure transfer of money over the mobile web
  • Speed to market: a technology that is ready to deploy
  • Multi-service, scaleable and adaptable for banking, money transfer and payments
  • Access to mobile financial services through any available mobile operator
  • Device support from low end to smart phones
  • Market leading security
  • A fully customisable consumer interface
  • Rapid delivery of screens, menus and transactional sequences

Vipera offers a unique approach to Mobilisation which allows the deployment and management of services on any type of mobile handset.

Delivering financial services that can be accessed through multiple mobile channels, telco operators and handsets with different characteristics (e.g. operating system, memory, screen size, camera, gps, etc.) is complex and time consuming and can lead to high costs of maintenance.

To help alleviate this problem, Vipera provides a rapid development approach for Mobile Applications, and a single-point of integration approach for all mobile channels.


The Vipera Platform provides integrated Service Management, Administration and Security Monitoring

Allows users to register, download the mobile application according to the device type, activate the service, authenticate and authorize the execution of transactions according to the configured security policies. Vipera Subscriber Management embeds several built-in workflows and APIs that can be tailored to accommodate customer needs.

Allows the configuration of financial services within the platform. The platform processes client requests that stream from different channels. When a service request arrives, the platform needs to know if the request is syntactically correct, extract the request data for further processing, apply transaction costs and finally validate the response returned. Depending on the service request these validation rules, processing logics, transaction costs, etc, may vary. Vipera Service Catalog is the central location within the platform where these service configuration parameters are managed.

Allows dealers to perform cash in and cash out transactions and point of sales activities. Each dealer, except the dealer network owner, has a parent (circular references are not allowed). Given a retailer node of the hierarchy, the system split the transaction fee into commissions along its relative path. Commissions can be defined according to transaction type and split percentages along relatives.

Offers vouchers, inventory and life cycle management. The application provides all the administration tools and API required for generating, manufacturing, distributing, activating and consuming a voucher.

The audit records are a read-only, encrypted protocol of all platform operations issued by end users and administrators. In case of a security breach, the audit log can be consulted to determine what actions were performed by the user.

This is a development system for tailoring and extending the system. Programmers can use Vipera Service Creation for designing the front-end of the applications, customizing subscriber management processes and configuring the interfaces to the external systems.

This is a web-based tool for administering the Vipera Platform. Features include the management of: Devices, Channels, Screen bundles, Counters and limits, Security, Sessions, Performances and Alarms. Business and technical reports are also available.

Technical Architecture

The Vipera Platform consists of an OSGi runtime environment. OSGi is our main approach to extensibility and modularity, scalability and interconnectivity

A large-scale Vipera OSGi installation consists of the following server applications:

Vipera Configuration Server

This is a central respository which maintains up-to-date information on all active Vipera OSGi servers, as well as of their state of health. It is also a central place from which configuration changes and software updates are distributed to all running servers. Technically, the Configuration Server is an OSGi run-time system with the configuration service bundles deployed.

Vipera Transaction Server

Mobile devices connect to the transaction server and send payment commands to the server by all supported mobile communications channels. The transaction server is responsible for executing work-flows to support all mobile payment scenarios. Furthermore, the transaction server maintains connectors to SMSCs, external payment gateways and banking systems. The transaction server is the “processor” of The Vipera Platform.

Vipera Portal Server

The portal server provides the APIs necessary to develop the web portals such as those for customer care and merchant management. The portal server also runs scheduled activities for reconciliation and settlement. Furthermore, the portal server also contains the OTA provisioning service which allows the client app to be installed onto mobile devices.

The Vipera platform consists of four set of OSGi services:

Business Support Services is comprised of several key elements: Subscriber Management, Service catalog, Dealer Manager, Voucher Manager, Audit Trail, Service Creation Environment, Administration.

Foundation services provide general-purpose facilities required by many use cases of the Vipera platform. Examples include: Audit log Service, Data Records Service, Security Service, Provisioning Service, Screen Bundle Service.

Infrastructure services are low-level services for handling HTTP communication, database persistence and the like. Examples: HTTP Service, AOP Service, REST Remoting Service, Persistence Service, System Logging Service.

Channels are used by client applications to interact with the Vipera platform. There is a channel for mobile apps, as well as one each for SMS, USSD, and IVR.