Presents: PIN less e-top-up and Bill Pay services for Bank Customers. Powered by: arttha. Reliable & Secure Payments

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Theresa Murphy
5 years ago
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1 Presents: PIN less e-top-up and Bill Pay services for Bank Customers Powered by: arttha Reliable & Secure Payments

2 Promoted by recognized professionals from Media, Internet Technology and Services, electronic trading sectors. 30+ Employees International Technology partner with worlds leading transaction platform First PIN less partner of NTC Dedicated to providing services over mobile channel

3 Solutions Infosystems is a CMM Level 4 software product, and services organization Our products are used by fortune 1000 organizations 14 years of product development experience 200+ team of technology and business leaders Offices in Delhi, New York, London, Brussels and Sydney

4 Real time PIN-less Top-Up Customer can recharge without hassle of PIN. Real-time NTC bill pay Customer can pay exact bill amount. Top-up and Bill Pay via Agent Network Cellcom will use existing nationwide agent network Agent s will use bank accounts with our partner bank and provide services to unbanked people.

5 Access Security Username: Configurable Strength, Separate Username for each channel. Password: Configurable strength and lifetime, separate login and transaction passwords, OTP Device Authentication: Device ID coupling with password or username. PKI certificate compatible Communication Security X.509 Certificate/SSL based authentication HTTPS, 3DES support Storage Security Internal Data: Passwords, PINs, transaction passwords, log-in information, etc. MD5 One Way Hash 3rd Party Data: SHA-256 with PEB or PEB with MD5 and 3DES HSM Compatible Attack Prevention The system is built to defend itself from Cross Scripting, SQL Injection, Buffer Overflow, DOS and DDOS attacks. Set-up and Infrastructure Constitutes all hardware and communication devices. The arttha team has extensive experience and can guide clients to create highly secure environments.

6 Partner Bank Partner Merchants Transaction Platform Telco s Power Companies School/Colleges Etc. Agent Network Customer Services Customer Base

7 Access to Cellcom s Agent Network. Already 1600 strong (Target: 5000 by end of Year 1) Create Attraction: For New Customer o Be the brank with latest services Create Engagement: For Existing Customers Convenience Innovation Create New Revenue Streams o o With minimum investment In shortest time Save on etop-up o No need to bulk purchase Telco PINs

Customer Thank You for Registering. Your MPIN is 1234.

8 Customer Registration Partner bank Bank Officer Registration Request Bank IT Systems Verification Report (csv file) Bank Customer Thank You for Registering. Your MPIN is Please change your MPIN Now!. TransID: Registration Report Cellcom Transaction Platform

Customer E-Top Up Mobile etop Up Request Bank Customer USSD Cellcom Transaction Platform Top-Up report Cellcom send s verified request to bank Transaction Report Bank IT Systems Top-Up request to NTC

9 Customer E-Top Up Mobile etop Up Request Bank Customer USSD Cellcom Transaction Platform Top-Up report Cellcom send s verified request to bank Transaction Report Bank IT Systems Top-Up request to NTC *4444# CALL CANCEL SUCCESS!! Select Option You have credited Enter Amount 1. etop-up your account by 100 NPR.200. Your new 2. Pay Bill Balance is NPR 203 OK TransID: BACK OK BACK Enter mpin **** OK BACK OK Request Sent BACK NTC Billing Platform Confirmation

10 Customer E-Top Up Mobile etop Up Request Bank Customer SMS Cellcom Transaction Platform Top-Up report Cellcom send s verified request to bank Transaction Report Bank IT Systems Top-Up request to NT OK Menu BACK SUCCESS!! Messages You have credited your Contacts account by NPR.200. Utilities Your new Balance is NPR 203 OKTransID: BACK OK New Message Inbox Sent BACK etop OK BACK OK Message Sent BACK NTC Billing Platform Confirmation

Customer E-Top Up Mobile etop Up Request Bank Customer App Cellcom

to bank Transaction Report Bank IT Systems Top-Up request to NT

! You have credited your account by NPR.200.

11 Customer E-Top Up Mobile etop Up Request Bank Customer App Cellcom Transaction Platform Top-Up report Cellcom send s verified request to bank Transaction Report Bank IT Systems Top-Up request to NT Top-Up Bill Pay Change PIN SUCCESS!! You have credited your account by NPR.200. Your new Balance is NPR 203 TransID: Enter Amount OK 100 Confirmation Back Enter mpin **** OK Back NTC Billing Platform

Customer E-Top Up SMS/USSD/App Cellcom send s verified request to bank Mobile etop Up Request Cellcom Transaction Platform Bank IT Systems Transaction Report Top-Up report

12 Customer E-Top Up SMS/USSD/App Cellcom send s verified request to bank Mobile etop Up Request Cellcom Transaction Platform Bank IT Systems Transaction Report Top-Up report Top-Up request to NT Cellcom Agent NTC Un Banked etop-up Customer SUCCESS!! You have credited your account by NPR.200. Your new Balance is NPR 203 TransID: Billing Platform

13 1 Customer sends topup request Arttha Platform Ac. Txn Bal. CC Float (100) 0(100) Cust NTC TT Comm PO Comm Col (100) (100,000) (99,900) (1) 0 (1) Bank Side Ac. Txn Bal. Cust. (100) CC Request sent to Bank NTC Side Transaction Status Ac. Txn Bal. CC (100) 100,000 99,900 Cust

14 Wide experience in Nepalese market Supported by world-class technology Payment partner of NTC for etop-up and bill payment transactions Nationwide marketing plan targeting: Urban Areas: Youth Urban Areas: Executives Rural Areas: All mobile phone users

15 Direct Marketing with Promotional Stall with Live Top Up. 22% Daily Newspaper 30% Movie Theatre 4% Fm_Regional 11% FM_Vallley 8% TV 16% Magazine 6% Regional Paper 3%

Cellcom will provide: Access to mobile transaction platform Access to nationwide agent network Real-time, PIN-less top-up and bill pay services to bank clients Commission on all

16 Cellcom will provide: Access to mobile transaction platform Access to nationwide agent network Real-time, PIN-less top-up and bill pay services to bank clients Commission on all transactions done by Bank s customers on our platform As Banking Partner we are seeking: o o Bank will help in verification of Customer/Agent accounts Enable our platform to communicate with yours

Upay- Customer User Manual Under UCB Digital Payment Services

Upay- Customer User Manual Under UCB Digital Payment Services 1 P a g e o f 1 2 Upay Customer comes to UCB branch and handovers the properly filled up Upay application form. Branch after necessary verification