After completing the transaction, receipts checked by Shri Kuldeep Goyal Chairman & Managing Director- BSNL Inauguration of ATP System at MG Road Bangalore A New Line of Payment: Mr, T S Kuppuswamy, Chief General Manager of Karnataka Telecom Circle, BSNL inaugurating the ATP (Any Time Payment) Services at M G Road, BESCOM ATP center in Bangalol'e on September 17, 2008 SPML Tech executives explaining the A TP System processe to Shri, Kuldeep Goyal, Chairman & Managing Director - BSNL, who inaugurated the A TP Inauguration of ATP System at eTO, Building BSNL Bangalore SPM L Technologies has added one more pearl Bharat Sanchar Nigam Ltd (BSNL): An Esteemed New Client Bharat Sanchar Nigam Ltd, formed in October, 2000, is World's 7th largest Telecommunications Company providing comprehensive range of telecom services in India. Within a span of five years it has become one of the largest public sector unit in India, BSNL Karnataka Telecom Circle - BSNL Bangalore, has taken the lead to partner with SPML Technologies Ltd" to provide innovative payment solutions through Any Time Payment (ATP) System for it's customers, This facility of payment is available in 57 BESCOM (Bangalore Electricity Supply Company Limited) ATP Centers across Bangalore, BSNL Customers can now pay their Landlines / Mobiles and even can get recharge coupons at all these locations. Encouraged by the growing positive response to the ATP services at the various BESCOM ATPs, BSNL in the first phase has installed five ATP Systems in their own premises, further they are planning to install approx, 33 ATPs across Bangalore. S'PrYlL 1ech wtshes tt's esteeMed cttents, 0ustness t1.ssoCttHes t1.nd stt1.kehotders t1. ver-0 ht1.pp-0' prosperous t1.nd het1.lth-0 new -0et1.r. L Ltd SP Technologies Dear Stakeholders, 1 Wish you all a very happy, he91thy and prosperous year ahead, SPML Tec~nologies has added another esteemed clie1t_- BSNL, to it's portfolio, During this happYJ~;oment, we would like to reiterate our co,ntlnuous commitment towards prOViding '1nhanced services to the Consumers, TOWjrdS this end, we have established a ne R & D Center which would work toward - evolving innovative consumer centnc solutions, 4nil Sethi Chairman, SPML ~ Interesting Notes on etayment Participants o At least, payer (client, consumer), ayee (merchant), financial institutions (I'ssuer and acquirer) o Optionally, payment gateway and CAs Flow of money from the payer via the financial institutions to payee I Direct payment vs. Indirect payment o Direct payment: Interaction betwe~n payer and payee , I o Indirect payment: No Interaction between them (e,g" Electronic Fund Transf~r) Three categories by the money trahsfer time Pay-in-advance system ~ o A certain amount of money is take away from the payer before purchase is ade o E,g" smart card-based e-purse, e-qash, certified check Pay-now system o Online debit card Pay-later system o Online credif card, digital checkin4 transfer I Our Commitment ...• ·ilr~ empowering e-payment services Marketing Narendra Sirohia 9448999817 narend ra,si rohia@sums!in 1 Editor - in - Chief William D'Souza 9448055800 william@sums,ln