34
EVOLUTION OF PAYMENTS - Internet payments - Mobile payments - Regular payments - Instant payments - Money transfers MONEY 2.0

Presentation money 2.0

Embed Size (px)

DESCRIPTION

Presentation Money 2.0 payment system, based on electronic coin.Mobile payment system on any mobile device or iPhone.

Citation preview

Page 1: Presentation money 2.0

EVOLUTION OF PAYMENTS

- Internet payments- Mobile payments- Regular payments- Instant payments- Money transfers

MONEY 2.0

Page 2: Presentation money 2.0

KEY SYSTEM ELEMENTS

Issue bank, providing cover of electronic money; Payment System providing for technological

procedures of money issue and development of business processes;

Business environment for electronic money circulation and use – a product of mutual operation of the bank and the payment system;

Page 3: Presentation money 2.0

PROJECT TARGETS Implementation of a unified environment for both

electronic money circulation and instant money transfers;

Providing possibilities of self-service to the bank clients;

Implementation of the comprehensive mobile banking concept;

Acquiring competitive advantages as compared to all existing payment systems, markets and business models.

Page 4: Presentation money 2.0

THE CORE OF “MONEY 2.0” SYSTEMElectronic Coin

Page 5: Presentation money 2.0

ELECTRONIC COIN – PAYMENTS ONLINE AND IN THE REAL WORLD

Electronic coin features

Page 6: Presentation money 2.0

THE COIN CAN BE INCORPORATED IN:

Page 7: Presentation money 2.0

MOBILE PHONE = WALLET!

Page 8: Presentation money 2.0

MOBILE PHONE = PAYMENT TERMINAL!

Page 9: Presentation money 2.0

“MONEY 2.0” ON THE WEB

Page 10: Presentation money 2.0
Page 11: Presentation money 2.0
Page 12: Presentation money 2.0

MEMBER AREA

Page 13: Presentation money 2.0

‘iPHONE’ HOLDERS ARE OUR CLIENTS! o There are at least 200 000 people having iPhones in Ukraine and their number keeps growing;o Quick access to the web client – AppStore supermarket;

 

 o 95% of iPhone holders are active Internet and services users;o PayPal software downloads on the first day of publishing – 1 million times.

Page 14: Presentation money 2.0

EVERYTHING IS VERY SIMPLE…

Page 15: Presentation money 2.0

BASIC COIN TRANSACTIONS Transfer/Payment +% Change +% Consolidation +% Change of personal data +% Coin redemption +% Nominal value checking Replenishment

Page 16: Presentation money 2.0

CHANGE

PAYMENT TRANSFER

RECHARGE

Page 17: Presentation money 2.0

WHERE TO BUY? (PUTTING MONEY INTO THE SYSTEM)

Internet Web shops Web Currency Exchange resources Bank website

Client-bank Ordering and paying for coins via one’s own member area

ATM of the issue bank Partners bank

Payment terminals (cash-in) POS terminals

Mobile phone SMS

Prepaid cards

Page 18: Presentation money 2.0

SELF-SERVICE PAYMENT TERMINALS (CASH-IN)

Page 19: Presentation money 2.0

HOW TO SELL MONEY 2.0? (REDEEM)

Internet Transfer to bank card

Client-bank Transfer to personal bank account

ATM Purchasing goods via ATM

Payment terminal Purchasing goods via terminals

Mobile Phone Transfer of fund balance to mobile subscriber

account Prepaid service terminals

Exchange to prepaid provider cards (sale)

Page 20: Presentation money 2.0

WHERE DO I USE IT?

In the Internet: bank website, web shops, sites;

Mobile phone: at the mobile web portal by using respective mobile phone application;

Payment terminals: payment for goods, no cash required;

POS; ATM; GAS Station; Other.

Page 21: Presentation money 2.0

WEB-SHOP – UKRSHOP.COM

Page 22: Presentation money 2.0

SALE OF COIN

Page 23: Presentation money 2.0

PAYMENT BY COIN

Page 24: Presentation money 2.0

EXTRA OPPORTUNITIES

The coin number can match a phone number; The coin number can match a bank account

number; Personal coin fees (for dealers, merchants,

agents); And many other cool stuff.

Page 25: Presentation money 2.0

EXTRA FEATURES OF THE COIN Personification – a coin can be associated with a

physical person or a legal entity according to respective contract concluded with the Issue bank;

Multiplicity – a personified client may have any amount of coins of various currencies;

For each coin the history of transactions is kept; The coin can be integrated with a personal

device such as mobile phone or a smart-card; Active/inactive status – the Issue bank monitors

status of coins and reissues them in case of need

Page 26: Presentation money 2.0

INTEGRATION WITH EXTERNAL ENVIRONMENT

Integration of the coin with a National Mass Electronic Payment System smart-card;

Keeping the coin in a mobile phone (requires installing a special application);

The coin can be integrated with an NFC phone; The coin is activated within client-bank system; Client of electronic banking system = bank teller; All the other API integration methods.

Page 27: Presentation money 2.0

NFC Instant NFC payments and services

- Banking and finance management (self-supervision of accounts);- On-line and Off-line payments in the same environment;- Regular payments (automatic payment);- Information servicing (responding to inquiries, consultancy, other services);- Transport and Entertainment (e-tickets);- Insurance, medicine and civil services;- Security, Identification and Personification.

Page 28: Presentation money 2.0

VERSATILITY

Instant money transfers between physical persons and payments to legal entities (P2P/P2B): By using a mobile phone; By using a smart-card; Via Internet; By means of prepaid electronic bills; Via sensor self-service terminals.

Page 29: Presentation money 2.0

Mobile phone (other personal device): does not require installation of extra software or any specialized cards regardless of mobile communication service provider. Payments are performed using BlueTooth and NFC technologies;

Smart-cards – contact cards (National Mass Electronic Payment System cards), plastic cards;

Smart-cards – proximity cards (NFC – near field communications), plastic cards, stickers;

Card readers – a gadget capable of reading and identifying a card or other devices;

ACCESSIBILITY

Page 30: Presentation money 2.0

ACTIVATION OF AVAILABLE BANK SERVICES

Growth of bank clients number: 1 000 000 System users (clients) in 1-2 years. Growth up to 5-7 mln during 7-8 years;

Average daily closing balance of clients’ accounts: from UAH 100.00 per physical person and by UAH 1,000.00 per legal entity (cashing out restriction);

Cutting costs of bank infrastructure maintenance (implementation of Internet-banking and payment technologies allowed Bank of America to make redundant 10% of its branches);

At least a twofold increase of money transfer transactions made via available cash transfer systems;

Instant micro- and nano crediting and services to bank clients; Single point of contact for making all kinds of payments: offering

new financial services (taxes and other charges and payments).

Page 31: Presentation money 2.0

SYSTEM MODEL

Page 32: Presentation money 2.0

Already connected

Mobile communication services

Internet Television Software Periodicals Electronic currencies Payment cards Books Insurance

To be connected in 2010

Utility payments, fiscal and other payments

Tickets Fines Music Video Photo Flowers Gifts other…

IMPLEMENTING “SINGLE POINT OF CONTACT”WWW.UKRSHOP.COM

Page 33: Presentation money 2.0

MARKETS AND CASH FLOWS

Digital goods: movies, CD, DVD, mp3 music, audio-books, e-books, photo, software;

Mobile content, mobile communication service providers, PIN-codes;

Domestic long distance and world communication, IP telephony, Internet access;

Periodicals and newspapers, reference information;

Housing and utility service payments, television;

Internet services, hosting, domains, mail services, web design;

Casino, gaming and entertainment portals, online games;

Meetings, chats, forums, blogs; Health and beauty, sports ware,

perfumes and cosmetics;

Charity, psychological support, social networks

Education, research papers, diplomas, translations;

Advertisement and marketing, promotion and optimization

Finances, insurance, Forex, payment systems, depositing and cashing out electronic currencies, electronic currency exchange;

Legal services, business analysis; Tourism services, avia and railway

tickets, hotels; Household goods, food products,

gifts, accessories, children’s goods; Other…

Page 34: Presentation money 2.0

CONTACTS

Thank you for your attention!We shall be happy to answer

your questions

Payment Systems [email protected]

Tel./Fax: +38 044 585 8983