ITS & Verifone ITS & Verifone Added Value ApplicationsAdded Value Applications

Emad Allam - Emad Allam - ITSITS

AgendaAgenda

1. MIGS (MasterCard Internet Gate way Services1. MIGS (MasterCard Internet Gate way Services

2. e-Top up & e-Voucher 2. e-Top up & e-Voucher

3. e-Payment Utility3. e-Payment Utility

4. Application Structure4. Application Structure

MIGS is the MasterCard Internet Gateway MIGS is the MasterCard Internet Gateway Service.Service. MIGS is provide to banks to facilitate MIGS is provide to banks to facilitate ePayments and physical transaction in either a ePayments and physical transaction in either a Card – Present or Card –Not-Present mode.Card – Present or Card –Not-Present mode. MIGS processes all card types.MIGS processes all card types. MIGS leverages the Bank’s existing MIGS leverages the Bank’s existing transaction processing connectivity to transaction processing connectivity to MasterCard’s Banknet® Global NetworkMasterCard’s Banknet® Global Network

MIGSMIGS

44

Supports regional and global Merchant Supports regional and global Merchant requirementsrequirements

– One payments interfaceOne payments interface– Multiple payment instruments: Credit, Multiple payment instruments: Credit,

Debit(signature), Purchase Card w/ Debit(signature), Purchase Card w/ enhanced dataenhanced data

– Compliance with Card Scheme Compliance with Card Scheme authenticationauthentication

– Multi-Currency processingMulti-Currency processing

MIGSMIGS

MIGSMIGS

MiGSMiGS

BANKNETBANKNET

POSPOS

Clearing/Clearing/SettlementSettlement

InternetInternet

AcquirerAcquirer

IssuerIssuer

AuthorizationAuthorization

DCFDCF

MIGSMIGS

MCBankNet

IssuerIssuer

WEB

MIGS

GCXDCC

POS

Issuer

Master Card

Non-MC

Merchant ManagementTCP/IP

TCP/IP

MIGSMIGSFinancial TransactionsFinancial Transactions Purchase.Purchase.

Refund.Refund.

Void.Void.

Pre-Auth & Auth CompletionPre-Auth & Auth Completion

Cash AdvanceCash Advance

Administration TransactionsAdministration Transactions Reconciliation.Reconciliation.

End of day statisticsEnd of day statistics

MIGSMIGSCommunicationCommunication GPRS (TCP/IP).GPRS (TCP/IP).

Optional Dialup (PSTN) which needs to be converted to Optional Dialup (PSTN) which needs to be converted to TCP/IP via a converter.TCP/IP via a converter.

Administration TransactionsAdministration Transactions Reconciliation.Reconciliation.

End of day statisticsEnd of day statistics

MIGSMIGSExtra FeaturesExtra Features Multi Languages (English & Arabic)Multi Languages (English & Arabic) Multi Currencies (US$ & Local)Multi Currencies (US$ & Local) 300 Transactions Bilingual Saving300 Transactions Bilingual Saving• Authorization Completion with Extra Charges as Percentage Authorization Completion with Extra Charges as Percentage (Parameterized value) (Parameterized value) • Financial Transactions Summary Report.Financial Transactions Summary Report.• Pre-Auth Summary Report.Pre-Auth Summary Report.• End of day Statistical Report .End of day Statistical Report .• Automatically completed authorization Transactions Deletion .Automatically completed authorization Transactions Deletion .• Batch history with scrolling all saved financial transactions facility to reprint, Batch history with scrolling all saved financial transactions facility to reprint, refund, and void.refund, and void.• Two merchants in the same POS with the availability to activate one or Two merchants in the same POS with the availability to activate one or both.both.• Two levels of security (supervisor and manager).Two levels of security (supervisor and manager).• Support two communication modules (TCP/IP & GPRS).Support two communication modules (TCP/IP & GPRS).• Parameterized Receipt ‘s Footer / HeaderParameterized Receipt ‘s Footer / Header

MIGSMIGS

MIGSMIGS

LebanonLebanon

SyriSyriaa

EgypEgyptt

KSKSAA

AgendaAgenda

1. MIGS (MasterCard Internet Gate way Services1. MIGS (MasterCard Internet Gate way Services

2. e-Top up & e-Voucher 2. e-Top up & e-Voucher

3. e-Payment Utility3. e-Payment Utility

4. Application Structure4. Application Structure

ZAINZAIN POS application to enable end user to generate an POS application to enable end user to generate an e_Vouchere_Voucher and and e_Top Up e_Top Up transactionstransactions.. POS application to support two separate POS application to support two separate communications modules communications modules (PSTN and GPRS)(PSTN and GPRS) POS application to support 3 different POS application to support 3 different languages languages (English, Arabic, and Urdu)(English, Arabic, and Urdu) POS applications to assure the security using POS applications to assure the security using different password different password levelslevels

ZAINZAIN

Internet

INet

POSPSTN

End User Merchant Media Payment Gateway Network

E-Topup

E-Voucher

E-Voucher

E-Topup

POSGPRS

IP Network

92xxxxx

NSN data

Center GGSN

IT Data CenterWhere the PG/

billing system and other servers

located

ZAINZAIN

VOUCHER 25 SRVOUCHER 50 SRVOUCHER 100 SR

VOUCHER 150 SRVOUCHER 200 SR

27-10-07 11:14

E-TOP UPE-VOUCHER

SUPERVISOR MENU

ZAINZAIN

VOUCHER 25 SRVOUCHER 50 SRVOUCHER 100 SR

VOUCHER 150 SRVOUCHER 200 SR

27-10-07 11:14

E-TOP UPE-VOUCHER

SUPERVISOR MENU

ENTER MOBILE NO.+966504131769

ENTER AMOUNT254 SR

ZAINZAIN

VOUCHER 25 SRVOUCHER 50 SRVOUCHER 100 SR

VOUCHER 150 SRVOUCHER 200 SR

27-10-07 11:14

E-TOP UPE-VOUCHER

SUPERVISOR MENU

ENTER MOBILE NO.+966504131769

ENTER AMOUNT254 SR

MERCHANT REPORTUSER PASSWORDSUP. PASSWORD

ENTER OLD PASSWORD

****

ZAINZAIN

MIGSMIGS

ZAINZAIN

LebanonLebanon

SyriSyriaa

EgypEgyptt

KSKSAA

KSKSAA

KuwiKuwiatat

SyriSyriaa

JurdanJurdan

AgendaAgenda

1. MIGS (MasterCard Internet Gate way Services1. MIGS (MasterCard Internet Gate way Services

2. e-Top up & e-Voucher 2. e-Top up & e-Voucher

3. e-Payment Utility3. e-Payment Utility

4. Application Structure4. Application Structure

E-PaymentE-Payment The POS has the functionality to do the bill The POS has the functionality to do the bill

payments for various military such as payments for various military such as water water bills, electricity billsbills, electricity bills, madinah municipality ….etc., madinah municipality ….etc.

Standard Standard POS transactions POS transactions

Bilingual Bilingual (English & Arabic)(English & Arabic)

E-PaymentE-PaymentServerServer

SADADSADAD

IssuerIssuer

MIGSMIGS

ZAINZAIN

PaymePayme

ntnt

LebanonLebanon

SyriSyriaa

EgypEgyptt

KSKSAA

KSKSAA

KuwiKuwiatat

SyriSyriaa

JurdanJurdan

E-PaymentE-Payment

KSKSAA

SyriSyriaa

LebanonLebanon

Kuwait Kuwait

KSAKSA

ZAINZAIN

RAJHIRAJHI

Audi BankAudi Bank

Fransa Fransa BankBank

KNETKNETBurgan Burgan BankBank KFHKFH

Development Development Product Product

SAMASAMA

Application Application StructureStructure

Verifone Verifone

GSMGSMGPRSGPRS

TCP/IPTCP/IPPSTNPSTN

CommunicationCommunication

QualitQualityy

ISO 9001-3ISO 9001-3

SW-CMM SW-CMM Level 2 & 3Level 2 & 3

CMMI 4CMMI 4

VeriFOnVeriFOnee

Mr. NADER ABDEL Mr. NADER ABDEL AZIZ AZIZ