Data Over Voice

Margento DOV stands for proprietary contactless data-over-voice transaction technology. Using the voice channel of customer’s mobile phone, Margento DOV ensures fast, highly secure and cost-effective wireless transmission of the transaction messages from a point of sale (poin-of-sale terminal) to the Margento Processing System for further approval of payments and other transactions.

Margento DOV enables transactions using any mobile phone at any location, without need for additional communication infrastructure on-site. Or, if needed, transaction speed can be further improved by combining Margento DOV with other communication technologies (GPRS, IP).

Margento’s operations are based on a patented Data Over Voice technology which uses point-of-sale terminals and customer's mobile phone to transfer transaction data.


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The terminal modulates transaction data into voice signals and sends them to the processing center through the voice connection previously established by the customer with his mobile phone. Thus, phone serves as a communication device between the point-of-sale terminal and Margento Processing System. They communicate in the same manner as mobile people do – using speech and a mobile phone.


 

  • Simple, convenient, secure & fast - anybody who can make a call, can use Margento
  • Every phone can be used on day one; NO change or upgrade required – NO special phone needed
  • Proven, tested & available – Margento is at your disposal now, not in some undefined future…
  • Compatibile with all existing and upcoming technologies & phones
  • Available for manned, automated and mobile points-of-sale
  • Consistent procedure and user experience across all applications and points-of-sale - just "Dial & Tap"
  • One device to access multiple payment accounts