RiTA Server

A New Era in Payment Processing!

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Mission Statement

To strengthen and defend our position as the trusted worldwide leader of the electronic payment industry, VeriFone will provide proven, high-quality solutions and expertise that drive increased value for our customers.

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RiTA Developers History

1994: Released PC-Charge™ for Windows

1999: Acquired by Network Commerce (NASDAQ: NWKC)

2000: Released RiTA Server™ • Cross Platform Payment Engine

2001: Achieved Sustained Profitability (January)

2001: Acquired by ROI Corporation (ROIE.OB)

2005: Acquired by VeriFone• Part of Integrated Solutions Systems

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A Good Reputation…

Longevity (1991) Growth (25% per year) Profitability (as of 2001)

VeriFone is a sought after partner (>150,000 Installed)• Market leader in deployments • Leader in TCP/IP connectivity over public Internet• Leader in gift/loyalty connectivity• Dominant market share in IBM iSeries• Hundreds of successful installs in tier-one and tier-two

companies

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Customer Sampling

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Solutions At A Glance

PC-based Middleware Web-based

PCCharge Windows-based market

leader Stand-alone (GUI) or

Integrated Licensed Product

Small to mid-sized businesses

Retail, MOTO, eCommerce, restaurant, QSR

IP or dial connectivity Security assessment

completed by Ambiron in 2004

PCCharge products include Pro, Express, and Payment Server

RiTA Server Java-based Highly scaleable (multi-

threaded) Enterprise-level solution Windows, UNIX/Linux,

AS/400 and more Retail, eCommerce,

MOTO, Restaurant, QSR Credit, Debit, Gift, P-Card

II/III IP connectivity Visa PABP validated

(Payment Application Best Practices)

IPCharge - New! Hosted payment service Virtual terminal Retail, eCommerce, MOTO Dial, IP, or wireless

connectivity Low up-front cost, monthly

billing Recurring revenue source

for resellers Reseller console gives

resellers tools to manage their business

Visa CISP compliant

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RiTA Server

A new era in payment processing!

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RiTA Server

What is RiTA?• RiTA is a middleware product for custom integration • Cross-platform capability • Supports multiple databases• Operates on any hardware• Multi-threaded• Handles unlimited merchant IDs• Unlimited users• Multiple communication types to processors

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RiTA Server

Why use RiTA?• POS developers can easily integrate order

entry/accounting systems and continue to use existing database structures.

• Various service providers can offer credit card processing to existing customers.

• Mid-Level to enterprise companies can integrate into existing legacy systems without a large system overhaul.

• Any entity doing high volumes of transactions and who wants large throughput!

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Make Money Move

Flexibility• Accepts all major credit cards, debit cards, purchasing

cards (levels II & III) checks, stored value cards, and EBT

• Real time or batch processing• Supports card readers for face-to-face transactions• Scalable to accommodate high levels of growth and

activity• Certified with the major processing networks• Supports all transaction types : face-to-face, MOTO

(card not present), and e-Commerce

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Make Money Move Securely

Security• Compliance with Visa U.S.A. PABP (Payment Application Best

Practices) requirements• Sun JCE encryption for data storage• CVV2/CVC2/CID reduces fraud by as much as 26%• AVS (Address Verification Services) reduces fraud and keeps you

compliant in order to receive the lowest rates for processing• ECI (Electronic Commerce Indicator) meets up to date compliance

standards for Visa and MasterCard• Multi-tiered permissions for users• Luhn algorithm for validating card numbers• SSL connectivity for processing over the public internet• Point-to-point connectivity to processing network

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System Requirements

A merchant account with a RiTA-certified processor

A server running Java Virtual Machine v1.4 or higher

Connectivity to a SQL compliant database via JDBC

Upon purchase, additional platform specific requirements will also be provided.

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Benchmarks

Captured Transactions• 1 sale @ 1.21 seconds• 10 sales @ 7.02 seconds• 100 sales @39.85 seconds• 1000 sales @ 354.49 seconds

Settled Transactions• 1 sale @ .081 seconds• 10 sales @ 1.13 seconds• 100 sales @ 22.47 seconds• 1000 sales @ 203.06 seconds

Benchmarks taken from RiTA ST v3.0 running on Windows 2003 Server Standard Edition, MS SQL 2000, 2Gb RAM, connecting to VITAL processing network with a single thread per transaction.

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Sample Configuration #1

Server 1 ProcessingNetwork

Residing on this server: JVM 1.4 or higher Relational Database with JDBC

Driver RiTA Server

Connectivity Options(dependent on processingnetwork): TCP/IP over SSL Frame Relay Dial

Each red arrow represents a socket connection to RiTA Server. You may haveunlimited client connections to RiTA. The number of concurrent connections fromRiTA to the processing network is determined by how many threads (blue dashedlines) have been purchased.

Workstation

Workstation

Workstation

Workstation

Workstation

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Sample Configuration #2

Workstations

Workstations

Workstations

Workstations

Workstations

Server 1 Server 2

ProcessingNetwork

IVR System

Web Site

Threads (blue dashed lines) are calculated on thenumber of concurrent transactions being processed.Transactions can come from any source. RiTA willsend them as they come in and the more threadsavailable, the faster the response times.Load balancing allows the client application tochoose which server receives transactions based onits origination. Load balancing can also be set up tokick in once a predetermined number of transactionsare received by RiTA.

Load balancing can be addedfor as many servers asneeded.

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Support and Resources

Support Included with RiTA Server• 24x7 support from our Advanced Product Support Group• Literature• Manuals• Email Support• Sales Support• Free updates

Optional Support• Installation Support – Onsite installation for 2 days.

Support must be scheduled at least 2 weeks in advance and does not include any coding.

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A Reliable Partner

Payment processing at its best! Leading edge products Individual service Secure solutions Personal attention

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Questions?

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Thank You!