E-money Payment System

2015

Product Description

Payment System

Content

• About the Product. Basic options

• Architecture and functionality

• Interfaces

• Administration, hardware

About the Product

PAYMENT SYSTEM

universal payment instrument

• …Enabling customers to pay for goods and services at

restaurants, movies, shopping centers, to shop online, to

pay bills and to send & receive money transfers

• …Providing retailers with efficient and easy-to-integrate

tool for accepting online, offline and NFC payments

Functions for end-users

Functions for end-users

- E-wallet balance & transaction

history

- Refill & funds withdrawal (see pp

7-10)

- Mobile refill

- Payments for TV/Internet

- Utility payments

- Online payments for goods &

services

- Taxi fares

- Insurance payments

- Other services (transportation,

loans, charity etc.)

- Tuition fee payments

- Entertainment - tickets, games,

paid content

- Social media payments

- Integration with prepaid cards,

card payments

- QR code payments

- NFC payments

- Instant P2P transfers (e-wallet to

e-wallet, card-to-card)

Functions for businesses

Functions for businesses

- Full automation of payment

acceptance

- Instant money transfer to

merchant’s e-wallet

- Payments history

- Invoicing

- Generating vouchers

- Fees management

- SMS notifications

- Managing NFC-stickers

orderings

- Ordering cards

- B2C payments

- Holding funds

- API integration

Basic scheme

PAYMENT

SYSTEM

1. Buying e-money

from issuing bank

or agent 4. E-money

withdrawal

3. E-wallet usage

2. E-wallet

replenishmentEND-USER

3.1. Online, offline & NFC

payments for goods and

services

3.2. Р2Р transfers

E-wallet replenishment

2. Tools for e-wallet replenishment

Cash Cashless

Kiosks ATMs POS-terminals

Bank’s cash units

Visa, Mastercard E-money

Bank transfers Prepaid cards

Payments for goods and services

3.1. Payments for goods, services, gift certificates

Utilities Retail

storesCinemas Fuel

stations

Mobile

operators

Online stores

TV Internet-

providersLoans

repaymentGifts Gift certificates

P2P transfers

3.2. Transfers

Customer 1 Customer 2

PAYMENT

SYSTEMOperator

Data

exchange

Data

exchange

E-money

E-money withdrawal

4. E-money withdrawal (exchange for real money)

Customer Issuer

PAYMENT

SYSTEMOperator

Data

exchange

Data

exchange

Tools for funds withdrawal

Real money

E-money

Content

• About the Product. Basic options

• Architecture and functionality

• Interfaces

• Administration, hardware

Architecture

MONEY IN THE CLOUD

Payment Gateway

Modules

Clien

t o

pti

on

s

Syste

m A

pp

licati

on

PrePaid Credit CardBank

account

Loyalty E-wallet Payment/

Top upOTP …

Web

browser

NFC

iOS,

Android

PoS

SMS/USSD

System functional options

✓ E-wallet

✓ Alternative payments

✓ Card payments

✓ P2P transfers

✓ Integration with pre-paid cards

✓ No registration required

✓ Fraud protection

✓ Low-cost transactions

✓ Instant transactions

✓ Offline payments (including

QR code payments)

✓ Simple integration

✓ API (deposit, withdrawal, transfer,

receipt of payments, balance display,

transactions history, vouchers

generation)

✓ Billing system

✓ Instant transaction alerts

✓ Irrevocable payments

✓ Multi-currency (supports any number

of projects with different currencies.)

✓ Multi-lingual support (“Create a new

language” panel)

Security

❑ Secure channels with SSL certification, pre-encrypted data transfer

❑ SMS Verification based on one-time passwords (OTP):

❑ User enters his mobile number at the time of registration. Every login and

transaction has to be confirmed via temporal one-time passwords sent by

SMS.

❑ You can collect user mobile phone at the time of registration for your

services/account and use it for log on access.

❑ User can have simple log-in procedure just by entering his/her mobile

number and confirming OTP password sent by SMS!

❑ No need to remember password or login information.

❑ You can also use it as a back up solution for your customers in the case

pass-word or login is lost.

Content

• About the Product. Basic options

• Architecture and functionality

• Interfaces

• Administration, hardware

Interfaces & gateways

User interfaces

Individual

user’s

personal

account

Merchant’s

account

Administrator

’s account

Manager’s

account

Agent’s

account

Operator’s

account

API (deposit, withdrawal,

transfer, receipt of payments,

balance display, transactions

history, vouchers generation)

Communication interface

(import-export) for automated

banking system.

Interface for working with

contactless pos-terminals

Integration

with SMS-

gateways

Services payment gateway

(utility payments, topping up

mobile phones etc.)

User mobile apps

Universal payment module for the connection

of external systems of funds input and

withdrawal.

iOS mobile app (iPhone,

iPad)

Android

mobile app

Client’s personal account (1/2)

1. Client’s personal account, transaction history

Transaction History (EUR)

Client’s personal account (2/2)

2. Sending money to e-wallet

Android/iOS mobile app (1/2)

Info MenuTransactions HistoryMain Menu

Android/iOS mobile app (2/2)

Money Transfer P2P Transactions QR operations

Merchant integration

Merchant integration options

Simple integration based on XML API

(programming interface that allows you to

automate the processes of authorization,

sending payments, getting the balance of the

accounts, or a history of operations

performed)

Simple

integration (html-

code)

Complete

integration

(merchant gateway)

API

integrationExtended

integration

Module

integration

Sample request & server

response

Content

• About the Product. Basic options

• Architecture and functionality

• Interfaces

• Administration, hardware

Administration

• Full administration of the system without any

programming knowledge.

Hardware Requirements

• For the smooth operation of the payment

system three servers are needed with the

following minimal configuration:

✓ Processor - Intel 3.0 GHz or more

✓ RAM - 2 x 8 GB DDR3 1600 MHz ECC

✓ Hard drive - 2 x 500 GB

✓ Web-server - Apache

✓ PHP, MySQL

Professional team with over 12 years of experience in development of innovative fin-tech products. We were

the 1st in the global market to launch electronic money, payment systems aggregator and the system of

mobile payments from the account of the mobile operator, the 1st who introduced payment self-service

terminals in Ukrainian market, the 1st in the CIS market to launch contactless payments and many other

innovative products and solutions.

1. Rupay (www.rupay.com, [email protected] ) system of electronic money - sold to the Russian holding RBC, renamed

to RBKmoney, is successfully operating in the Russian market (www.rbkmoney.com, [email protected] )

2. Autopay (Www.autopay.com.ua) payment terminals network - Ukraine's first network of self-service terminals. The

company developed server software, terminal software, connected over 200 service providers; the network was sold to

an international company.

3. Interkassa (Www.interkassa.com, [email protected] ) aggregator of Internet payments - the first and largest

aggregator of payment systems, the system was sold to a Ukrainian company.

4. Monexy (Www.monexy.ua, [email protected] ) e-money payment system - a system of online and offline payments in

Ukraine, that obtained the first license from the National Bank of Ukraine to issue electronic money, is the leader in

electronic money systems, working in partnership with one of the most innovative banks in Ukraine.

5. e-groshi (Www.e-groshi.ua, [email protected] ) coalition loyalty system is a reward system, based on

electronic money Monexy. Currently it’s establishing contract relations with the major retailers. Within the existing

contracts, over 1.2 million loyalty cards have been issued. These cards will unite all the participating merchants in one

integrated loyalty system.

Our Projects

Contacts

THANK YOU FOR YOUR ATTENTION

For more information,

please contact

Our support offices:UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv

ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901

CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031

CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021

Mikhail Miroshnichenko

Kiev, Ukraine

Email: [email protected]

+380.68.331.95.03

http://ua.linkedin.com/in/michaelmir/

Yuriy Chayka

Kiev, Ukraine

Email: [email protected]

+38.067.621.57.13

https://ua.linkedin.com/in/yuriychayka