PAYMENT SYSTEM
ABOUT COMPANY «Global Express Pay» company – is an international integrator of development, adjustment and launching of innovation system of electronic vouchers selling, cash and non-cash payment service for the various goods and the services. High reliability , multi-functionality and availability for public is advantages of this system. MISSION • • To To made services nearer to their customers increase an amount of trade putlets develop functionality of payment systems increase range of goods and services
ABOUT «ND GROUP» «Global Express Pay» Company was established in 2007 and belong to «ND Group» together with companies: • «ND Ltd» company develops applied solutions for gas station networks, including use • • • of data communications wireless technologies (GSM/GPRS). Developing and patenting sale subscriber’s accounts updating codes (mobile communication, the Internet, etc. ) system is an achievement of this company (patent № 9475 date 15/09/2005). Name of this system is Notion Digit. Today «ND Ltd» company is one of the largest innovation processing company in Ukraine «ND Datecs» Ltd is developer and producer of cash and control systems of gas Datecs» station networks managing, it also produces terminal solutions for system Notion Digit «ARGUS – security systems» Ltd offers installation of fire and burglar alarms and security systems «ND Ltd» company No 2 – producer of ultrasonic measuring device and self-service payment kiosks «Nafto. Gaz Card» Ltd – the founder of automated system of cash and non-cash payment for fuel in gas station networks by means of plastic cards and coupons and loyalty System for customers «Service-Crimea» Ltd – provides complex service support for ND Group’s gas station and terminal decisions equipment Total year turnover ND GROUP - 10 000 € Total year turnover our processing center on reception of payments - 60000 € It will have 1 000 000 € total turnover our processing center until the end 2007 Global Express Pay has 4500 trade putlets all over the world today (SELFSERVICE KIOSK, POS-Terminal, CASH REGISTER, payment module for PC, …) It will have 10 000 trade putlets until the end 2007
IDEOLOGY PAYMENT SYSTEM GLOBAL EXPRESS PAY The preconditions for this research is the analysis of Pre-Paid cards market, which have few disadvantages: • physical logistic – transportation, storing, stock-taking , distribution • periodical lack of Pre-Paid cards in the regions • non-liquid remains • limit of income grows • forgery of the goods by sellers Our system do not have this disadvantages, it makes the control of sales easier with help of WEB-instruments. IDEOLOGY • one goods and services local databases • multyservices connections • guarantee of sales procedure in accordance with requirements of services operators • absence of commercial information in memory of the terminals • information about goods and services are always available on the server • organization of information supply of trade putlets by the terminals • centralized price formation (one consumer price) • operative balance state control of trade putlets organization • availability of mobile report system
FUNCTIONALITY GOODS AND SERVICES • e-voucher of all mobile operators for updating subscriber’s accounts • e-voucher of leading Internet providers • e-voucher of ІР–telephony • any sum accounts updating • payments for municipal services • payments for consumer credits • payments for television • insurance payments • payments for purchases in Internet shops • sale transport tickets • sale lottery tickets • sale in Ukraine any sum updating for subscribers of Russian mobile operators REPLICATION OF THE SYSTEM • organization of self-service payment kiosks processing • launching of processing centers all over the world • organization of POS-terminal processing
PARTNERS PRIMARY PARTNERS IN UKRAINE FOR MAJOR BRANDS
RETAIL STORIES CONNECTED
LOCAL PAYMENT RECEPTION PROCEDURES OPERATORS UKRAINE GEP MAIN SERVER UKRAINE … LOCAL OPERATORS BANK UKRAINE SMS Local number verfication CASH REGISTER Local number verfication Payment clearance Payment rate GEP Payment clearance Receipt LOCAL SERVER Payment LOCAL BANK Report OPERATORS RUSIA GEP SERVER RUSIA BANK RUSIA …
GLOBAL PAYMENT RECEPTION PROCEDURES GEP MAIN SERVER UKRAINE OPERATORS UKRAINE … LOCAL OPERATORS BANK UKRAINE Report LOCAL SERVER Number verfication Payment Receipt CASH REGISTER Number verfication Report Payment rate GEP Payment clearance Number verfication Payment GEP SERVER RUSIA Payment clearance Number verfication OPERATORS RUSIA Payment clearance SMS … LOCAL BANK Payment BANK RUSIA
LOCAL PIN SALE PROCEDURES OPERATORS UKRAINE LOCAL OPERATORS … PIN database sale PIN activation GEP MAIN SERVER UKRAINE PIN database sale SELF-SERVICE KIOSK Operator card amount Activated PIN on bill Encrypted data activated PIN LOCAL SERVER Report
GLOBAL PIN SALE PROCEDURES OPERATORS UKRAINE LOCAL OPERATORS … PIN activation GEP MAIN SERVER UKRAINE PIN database sale PIN database Encrypted data SELF-SERVICE KIOSK Operator card amount Encrypted data LOCAL SERVER Encrypted data activated PIN Activated PIN on bill Encrypted data activated PIN sale
PAYMENT TECHNOLOGIES The universal payment reception technologies provide the reception of funds by means of the following structures: Cashier of a retail network shop, using automatic CASH REGISTER SELF-SERVICE KIOSK Payment module for PC POS-Terminal Web-site with payment form
MAJOR CUSTOMERS OF GEP PAYMENT RECEPTION SYSTEM FIXED-LINE COMMUNICATIONS INTERNET AND IP-TELEPHONY MUNICIPAL SERVICES DIGITAL TELEVISION INSURANCE TRANSPORT AND LOTTERY TICKETS MOBILE COMMUNICATIONS BILL PAYMENT AND ACCOUNT REPLENISHMENT VIA PAYMENT ACCEPTANCE OUTLETS SUPERMARKETS PAYMENT TERMINALS FILING STATIONS BANKS
OUR CONCEPT A Multi-Channel Topup and Payment Solution GOODS AND SERVICES SUPPLIED FOR ELECTRONICALLY SELLING (for example мobile telephone airtime, telecom airtime, content, party services and another) another INTERNET PREPAID TOPUP RETAIL OUTLETS EDELIVERY KIOSKS POSTPAID PAYMENT POS terminal
PAYMENT DISTRIBUTION CHANNELS AND PAYMENT RETAIL CHANNELS POS EPOS SELF-SERVICE CHANNELS INTERNET KIOSK Payment options: Any payment method available at the retailer (card, cash, account, etc. ) Payment options: • credit/debit card • cash (Kiosk) • vendor account transfer (Internet)
OVERVIEW OF APPLICATION. CANNELS AND PRODUCTS Possible Applications • Mobile airtime • Long distance airtime • Mobile content (games, wallpapers and ring-tones) (games, ring-tones) • Tickets, lotto, sport events, concert etc. Tickets, lotto, events, etc. • insurance police • credit repayment Possible Channels • Internet • Kiosk • Epos • Possible Products • e-voucher • e-topup • e-Payment • m-Transfer • m-Buy
INTERNET RECHARGE INTERNET
KIOSK
POS DELIVERY OPTIONS CUSTOMER RECEIPT: e-Voucher • Terminals could be on line or off line • Terminal prints out voucher which contains 12 digit pin number. Customer uses pin to topup mobile airtime account e-Topup Customer provides mobile number and the prepaid account is automatically topped up. Terminal prints out receipt and up. customer receives SMS notification of the topup e-Payment Customer provides bill number and receives Payment Voucher (receipt) and SMS notification of the payment. Luna. Solutions receipt)
EPOS Global Express Pay is integrated to retailers cash registers
E-TOPUP What is e-Top. Up ? Direct electronic Top. Up of airtime to end user through different channels like POS, EPOS, Kiosk, Internet. Key Features • Extensive reporting/accounting features • Seamless connection to operator prepay server Key Benefits • Instant information about sales for distributors and retailers • Instant recharge, convenient way for end customer • Constant availability or supply of airtime
E-PAYMENT What is e-Payment? Electronic distribution and payment of bills through POS Key Features • Customer receives notification of due bills • Supports wide variety of self service and retail channels • Extensive tracking, reporting, billing, troubleshooting and management tools Key Benefits • Convenience for consumer – pay anytime and anywhere • Better cash flow for operators-bills paid in a timely fashion
M-TRANSFER What is M-transfer ? Electronic transfer of airtime from distributor to retailer, (re-seller) and to end user using mobile phone or Internet. Key Features • Easy traceability of transactions. • Extensive reporting, accounting, billing and management tool. • Transfer through mobile phone and/or Internet Key Benefits • Less investment for distributors and retailers • Easy to re-issue payment confirmations or notifications without duplication • Instant information about sales for distributors and retailers • Easy to expand market network, non traditional retailers can become resellers, reaching more customers
M-BUY What is M-Buy ? Use of mobile phone to purchase small ticket items using mobile or fixed accounts as a payment mechanism Key Features • Easy-to-use mobile phone to pay for items • Secured interface • Extensive tracking and reporting tools Key Benefits • Instant information • Increased usage of airtime for operators • New transaction revenues Examples of application • Take out service: Order and payment of pizza service: • Mobile content: Order and payment of games, ring tones etc. content: • Tickets: Order and payments of tickets Tickets: • Parking: Order and payments of parking Parking: • Cafeteria: Payments of food items Cafeteria: • Convenience stores: Payment of goods stores: • Vending machines: Payment of goods machines: • Internet cafe: Payment of Internet access cafe:
SUMMARY OF FEATURES FOR OPERATORS Retail Channels • EFT POS terminals • EPOS (cash register integration) • Web Self-Service Channels • Standalone Web Shop or integration with existing web site • Kiosk e-Products • • • e-Voucher. PIN is used to acquire the product e-Topup. Direct Top. Up with integration to vendor e-Payments. Payment of bills for postpaid services m-Transfer. Value transfer between mobile phone accounts m-Buy. Small purchases using mobile phone
PRODUCTS, CHANNELS AND PAYMENT METHODS A Multi-Channel Topup and Payment Solution Electronic Product C H A N N E L S Payment method e. Topup e. Voucher e. Payment Credit Card on file Cash Mobile phone + + + - POS / EPOS + + - + Web + + + - Kiosk + + +
DISTRIBUTION MODELS Traditional distribution model –Scratch Cards Operator Distributor Merchant GSM User New distribution model –Electronic Operator Global Express Pay Merchant GSM User
VALUE PROPOSITION Operators: • • Extensive cost savings over scratch card system Offers effective channel to access small to medium sized retail locations Efficient logistics and distribution of service Offers efficient and secure delivery of services and electronic funds transfer Improves market intelligence and up to date information on sales Flexible marketing and product offering Increase efficiency , sales, and profitability Merchants: • • • Zero stock requirements for retailers Helps expand product range Improves cash flow and product management and reporting. Prevents fraud and theft Offers efficient electronic funds transfer –saves time Increases efficiency, sales and profitability
CONTACT INFIRMATION “Global Express Pay” Ltd. Ukraine, 03151, Kyiv, st. Narodnogo Opolcheniya 5 A, build 2, 5 floor Ukraine, st. telephone: +380445013040 e-mail: info@ge-pay. com http: //www. ge-pay. com Russian, 121083, Moscow , Beregovoy passage, build 3 Russian, passage, telephone: +74959409627 e-mail: info@ge-pay. com http: //www. ge-pay. com Jordan, Amman-Al-Bayader, Hussein Khawaja St. Jordan, Amman-Al-Bayader, P. O. Box: 14168 Amman P. O. Box: 11814 Jordan telephone: +962775852227, +962775822887 5852227, 5822887 e-mail: info@gep. jo http: // www. gep. jo
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