Financial

and Marketing

Solutions:

eWallet

November, 2016

What is eWallet?

24

An Electronic Money Processing platform giving you the opportunity to build your own

payment business without starting from scratch.

Full-fledged payment system for all kinds of payments and transfers.

Whether you operate financial services company, a retail network or a telecom operator – our E-Wallet solution will bring your business to the next level, allowing you to harness up-to-

date tech trends.

eWallet Features for end-users

3

E-Wallet balance & transaction history

Refill & funds withdrawal

Mobile refill

Payments for TV/Internet

Utility payments

Online payments for goods & services

Taxi fares

Insurance payments

Other services (transportation, loans, charity etc.)

Tuition fee payments

Entertainment - tickets, games, paid content

Social media payments

Integration with prepaid cards, card payments

QR code payments

NFC payments

Instant P2P transfers (e-wallet to e-wallet, card-to-card)

Electronic Wallets are very similar to bank accounts, wherein customers can hold the

money in any currency, that can be used later for various purposes, such as

payments, local or overseas money transfers, paying utility bills, prepaid cards

and so on. Customers can easily convert the money from one currency into another,

and vice-versa, almost immediately. Customers can make the payments in any currency to their intended beneficiaries,

both locally and world-wide.

eWallet Features for businesses

4

Full automation of payment acceptance

Instant money transfer to merchant’s e-wallet

Payments history

Invoicing

Generating vouchers

Fees management

SMS notifications

Managing NFC-stickers orderings

Ordering cards

B2C payments

Holding funds

API integration

eWallet Services: Basics

5

eWallet

1. Buying e-

money from

issuing bank or

agent4. E-

money

withdrawal

3. E-wallet usage

2. E-wallet cash-

in

Customer

3.1. Online, offline &

NFC payments for

goods and services

3.2. Р2Р transfers

eWallet Services: cash-in

6

2. Tools for adding money to eWallet

Cash Cashless

Kiosks ATMs POS-terminals

Bank’s cash units

Visa, Mastercard E-money

Bank transfers Prepaid cards

eWallet Services: Payments

7

3.1. Payments for goods, services, gift certificates

Utilities Retail

storesCinemas Fuel

stations

Mobile

operators

Online stores

TV Internet-

providersLoans

repaymentGifts Gift certificates

eWallet Services: Transfers

8

3.2. P2P Money Transfers

Customer 1 Customer 2

PAYMENT

SYSTEMOperator

Data

exchange

Data

exchange

E-money

eWallet Services: Cash-Out

4. E-money withdrawal (exchange for real money)

Customer Issuer

PAYMENT

SYSTEMOperator

Data

exchangeData

exchange

Tools for funds withdrawal

Real money

E-money

9

How eWallet Works: Customer Profile

10

How eWallet Works: Money Transfer

11

Underlying

Magic

Architechture

13

MONEY IN THE CLOUD

Payment Gateway

Modules

Clie

nt

op

tio

ns

Syst

em

Ap

plic

atio

n

PrePaid Credit Card Bank account

Loyalty E-wallet Payment/ Refill

OTP …

Web browser

NFC

iOS, Android

PoS

SMS/USSD

Interfaces & gateways

14

User interfaces

Individual user’s

personal account

Merchant’s account

Administrator’s account

Manager’s account

Agent’s account

Operator’s account

API (deposit, withdrawal, transfer, receipt of payments, balance display, transactions history, vouchers generation)

Communication interface (import-export) for automated

banking system.

Interface for working with contactless pos-terminals

Integration with SMS-gateways

Services payment gateway (utility payments, topping up

mobile phones etc.)

User mobile apps

Universal payment module for the connection of external systems of funds input and withdrawal.

iOS mobile app (iPhone, iPad) Android mobile app

Security

At the heart of the security strategy

we use the international standard

ISO 27000, defining the

requirements for information

security management and risk

management

All our partners are PSI DSS

certified service providers

To provide fault tolerance and load

balancing system, we are guided by

global standards, High Availability

(HA) and Load Balancing (LB)

Wallet Factory is fully integrated

with international payment

systems

15

Open API

16

Open API

multiplies choices,

opens more

opportunities for

the creative talent

from any field of

business and

enables quick and

flexible integration

Server #5

Data center #2

PHP Application server #2

MySQL server #3

PHP Application server #1

Nginx (Web server 1)

site.comIP 002 (Reserve)

User (Web, Mobile )CRM APP

CRMPARTNER

SITE

Percona (Master)IP 005

eWallet e-money server

User (Partners API) eWallet,

mWallet

Backup ServerIP 007

WAF

api.site.com IP 001 (Active)

Partners API

Nginx (Web server 2)

site.comIP 004 (Active)

CRMPARTNER

SITE

api.site.ua IP 003 (Reserve)

Partners API

Partner API requests

MySQL server #4

Percona (Slave)IP 006

DB Connection

DB Connection

DB Saving

User requests Processing

API

Partners API reserve

flowProcessing API

Info exchange streams

Secondary (backup)

Primary

User reserveflow

GIT

Reserve DB Connections

Data center #1

User resourcessync

Replication

Web APP Saving

Web APP Saving

Hardware requirements

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• For the smooth operation of the payment

system three servers are needed with the

following minimal configuration:

✓ Processor - Intel 3.0 GHz or more

✓ RAM - 2 x 8 GB DDR3 1600 MHz ECC

✓ Hard drive - 2 x 500 GB

✓ Web-server - Apache

✓ PHP, MySQL

White Labeled solutions

18

With Wallet Factory, you can get a

customized turnkey solution under your

own brand. Our White-Labeled solutions

don’t need development from scratch and

guarantee your products minimum time-to-

market – 2-3 months

Our Team

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• 15 years of successful experience in the fields of

finance, banking and payment technologies

• Strong management team including professionals

from Finance and Payments, Marketing, IT

domains

• 25 employees in 3 offices in Poland, Ukraine and

China

Our Projects

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15+ years of experience in development of innovative fin-tech products. We were the 1st in the

global market to launch electronic money, payment systems aggregator and the system of

mobile payments from the account of the mobile operator, the 1st who introduced payment self-

service terminals in Ukrainian market, the 1st in the CIS market to launch contactless payments

and many other innovative products and solutions.

1. Rupay (www.rupay.com) system of electronic money - sold to the Russian holding RBC, renamed to RBKmoney, is

successfully operating in the Russian market (www.rbkmoney.com )

2. Autopay (Www.autopay.com.ua) payment terminals network - Ukraine's first network of self-service terminals. The

company developed server software, terminal software, connected over 200 service providers; the network was sold to

an international company.

3. Interkassa (Www.interkassa.com) aggregator of Internet payments - the first and largest aggregator of payment

systems, the system was sold to a Ukrainian company.

4. Monexy (www.monexy.ua and Www.monexy.eu ) e-money payment system - a system of online and offline payments

in Ukraine, that obtained the first license from the National Bank of Ukraine to issue electronic money, is the leader in

electronic money systems, working in partnership with one of the most innovative banks in Ukraine.

5. e-groshi (Www.e-groshi.ua) coalition loyalty system is a reward system, based on electronic money Monexy.

Currently it’s establishing contract relations with the major retailers. Within the existing contracts, over 1.2 million loyalty

cards have been issued. These cards will unite all the participating merchants in one integrated loyalty system.

Thank you

for attention!

Wallet FactoryMikhail Miroshnichenko, CEO

Email: hello@walletfactory.pro

Addresses:- Office 27, 2A Rydygiera St., Wroclaw, Poland,

- 4 Andrey Sheptytsky St, 10th floor, Kyiv, Ukraine,

- Office 11, 43 Bedford street, London, England, WC2E

9HA, United Kingdom,

- Wuxing Road, No. 277, Suite 1513, Shanghai 200030,

China

Phones:PL +48-73500-7500

UA +38-067-621-57-13

UK +44-2081-444-801

US +1-415-830-3669

CN +86-183-2120-3019