G2 High Level Business Workflow

Transcription

1

2

3 G2

4 G2 High Level Business Workflow

5 edirham G2 Services in a Nutshell

6 Payment Services

7 A. Payment Services

8 A. Payment Services (CONT D) - eservices : EFTPOS Application for selling services on the counter - emarketing : EFTPOS Application for selling cards and recharging edirham Cards

9 edirham G2 Payment Methods

10 B. edirham G2 Payment Methods POS EIDA EFTPOS EIDA EIPG emobile ( m-pay ) (3 MOTO Pay : (Mail Order / Telephone Order)

11 edirham G2 Payment Channels

12 a) Prepaid 1. Cards Magnetic Stripe Chip Cards Magnetic Stripe Private Label Card (PLC) Visa Cobranded Magnetic Stripe Card Private Label Chip Card (PLC) Visa Cobranded Chip Card

13 Co-Branded Magstripe General Issuance Reload Usage Magnetic Stripe Anonymous Visa Co-branded Card Prepaid, Re-loadable Pre-Denominated OR Zero Value Card Expiry: 2 Years NBAD Branches Selected Partner Outlets NBAD Branches Cash Deposit Machines Points of Sale Terminals edirect Mobile ewallet At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e- commerce sites where Visa Scheme is accepted

14 Magstripe PLC General Issuance Reload Usage Magnetic Stripe Anonymous Private Label Card Prepaid, Re-loadable Pre-Denominated OR Zero Value Card Expiry: 1 Year NBAD Branches Selected Partner Outlets NBAD Branches Cash Deposit Machines Points of Sale Terminals edirect Mobile ewallet Only at edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway

15 PLC Chip General EMV Chip Personalized with card holder Name/Photo Issuance Reload Usage Private Label Card Prepaid, Re-loadable Zero Value Card Expiry: 3 Years NBAD Branches Selected Partner Outlets NBAD Branches Cash Deposit Machines Points of Sale Terminals edirect Mobile ewallet Only at edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway

16 Co-Branded Chip - Corporate General Issuance Reload Usage EMV Chip Personalized with card holder name/photo and Corporation name Visa Co-branded Card Prepaid, Re-loadable Zero Value Card Expiry: 3 Years NBAD Branches Selected Partner Outlets NBAD Branches Cash Deposit Machines Points of Sale Terminals edirect Mobile ewallet At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e-commerce sites where Visa Scheme is accepted

17 Co-Branded Chip Individual General EMV Chip Personalized with card holder name/photo Issuance Reload Usage Visa Co-branded Card Prepaid, Re-loadable Zero Value Card Expiry: 3 Years NBAD Branches Selected Partner Outlets NBAD Branches Cash Deposit Machines Points of Sale Terminals edirect Mobile ewallet At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e-commerce sites where Visa Scheme is accepted

18 b. Credit 1. Cards

19 G2 E-Dirham Cards Types and Features - Summary Features Magnetic Stripe Private Label Card (PLC) Magnetic Stripe Visa Co-branded Card PLC Chip Card Visa Co-branded Chip Card (Corporate) Visa Co-branded Chip Card (Individual) General Issuance Reload Usage Magnetic Stripe Magnetic Stripe EMV Chip EMV Chip EMV Chip Anonymous Anonymous Personalized with card holder Name/Photo Personalized with card holder name/photo and Corporation Personalized with card holder name/photo name Private Label Card Visa Co-branded Card Private Lable Card Visa Co-branded Card Visa Co-branded Card Prepaid, Re-loadable Prepaid, Re-loadable Prepaid, Re-loadable Prepaid, Re-loadable Prepaid, Re-loadable Pre-Denominated OR Zero Value Pre-Denominated OR Zero Value Zero Value Zero Value Zero Value Card Expiry: 1 Year Card Expiry: 2 Years Card Expiry: 3 Years Card Expiry: 3 Years Card Expiry: 3 Years NBAD Branches NBAD Branches NBAD Branches NBAD Branches NBAD Branches Selected Partner Outlets Selected Partner Outlets Selected Partner Outlets Selected Partner Outlets Selected Partner Outlets NBAD Branches NBAD Branches NBAD Branches NBAD Branches NBAD Branches Cash Deposit Machines Cash Deposit Machines Cash Deposit Machines Cash Deposit Machines Cash Deposit Machines Points of Sale Terminals Points of Sale Terminals Points of Sale Terminals Points of Sale Terminals Points of Sale Terminals edirect edirect edirect edirect edirect Mobile Mobile Mobile Mobile Mobile ewallet ewallet ewallet ewallet ewallet Only at edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e- commerce sites where Visa Scheme is accepted Only at edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e-commerce sites where Visa Scheme is accepted At edirham G2 Subscribed merchants' EFTPOS and G2 epayment Gateway For worldwide Transactions and e-commerce sites where Visa Scheme is accepted

20 2. edebit يىفز اى ظا قسائ إىنخزو يت ب باىغ حذدة 3. evoucher حسخخذ ى زة واحذة وى ذة حذودة 4. Credit Cards يىفز اى ظا واال خز ج. ا نا يت اىذفغ بىاسطت اىبطاقاث االئخ ا يت )بطاقاث اى اسخز أو اىفيشا( ػبز أجهشة اىخحصيو

21 5. EIDA Cards (issued by UAE ID Authority) اى ظا اىجذيذ يس ح باىذفغ ػبز بطاقاث اىهىيت 6. ewallet ظا دفغ ػبز اإل خز ج يؼ و مىسييت قو ىي قىد اإلىنخزو يت ب فس اىطزيقت اىخي حسخخذ اى حفظت ىح و اى قىد اىحقيقيت. هذف اى حافظ اإلىنخزو يت هى حىفيز وسييت آ ت وسهيت ىيذفغ ػبز اإل خز ج 7. ekiosk يىفزاى ظا اىجذيذ أمشاك إىنخزو يت مق ىاث اضافيت ىذفغ اىخذ اث ػبز اىذره اإلىنخزو ي بطاقاث اإلئخ ا بطاقاث EIDA واىقسائ اإلىنخزو يت.

22 G2 Scheme Reloading Channels

23 1. Cash Deposit Machines. 2. EFTPOS Points of Sale NBAD ATMs/CDMs سىف حجهش افذ خخارة ب امي اث POS حسخخذ إلػادة شح ج يغ أ ىاع بطاقاث اىذره االىنخزو ي. POS 7400 سخخىسع في خخيف أ حاء اإل اراث -

24 3. edirect 4. Mobile Top-up سىف يخ ن حا و اىبطاقت ا يؼيذ شح بطاقاث اىذره اإلىنخزو ي ػبز اىهاحف اى ح ىه اىسه ىب ل ابى ظبي اىىط ي( ) خاله خذ ت اىشح خاله اى حفظت االىنخزو يت 5. ewallet Top Up

25 G2 Scheme Support Services

26 1. Call Centre: 800MOF ( ) 24/7 edirham call centre for: a) Card balance and transaction enquiries b) Guidance & Information about edirham System c) Support in three languages English, Arabic and Urdu d) Customers card balance enquiries and any problems faced while using the E-Dirham services e) Equipped with IVR to cater for queries, card suspension, password changes, statements, Transaction lists etc

27 2. edirham Portal: Website Offers: a) General information about edirham b) edirham Card Passcode Change/Reset c) edirham Card Statement d) edirham Card Balance Inquiry e) Block/Unblock edirham Card f) Online application for edirham Private Label Chip Card (Upload soft copy of relevant ID documents)

28 3. ehelpdesk & ecomplain Available for technical support and customer service 4. SMS Notification Of transactions incurred for registered customers 5. Financial Settlement & Verifications (ED Admin). The system has sophisticated financial settlement techniques for all parties using the system (banks, merchants, government & non-government parties). Also, it provides financial verifications for those parties.

29 Back-Up and Confidentiality of System Data

30 Back-Up and Confidentiality of System Data The system is built with the highest security and confidentiality standards: 1- Using highly sustainable devices (Sun Solaris) with (Unix) software - safest & securest - as well as the best professional database (Oracle) 2- Back-up devices/apparatuses ready to operate at immediately. 3- Entire alternate centre identical to the original center to operate in cases of disasters. 4- Immediate and continuous back-up copying of data to data center at the ministry and to CD s at the bank. 5- Theft & hacking detective system. 6- Anti-viruses & anti-hacking system. 7- Networks protection systems. 8- PCI Compliance

31 edirham G2 System Rollout

32 E-Dirham G2 ATM/CDM Requirements Business Requirements: 1) Master No Objection Letter in order to apply for the Network lines at all the ATM locations. 2) Permissions/Approvals for NBAD staff and NBAD designated contractors to access the site and/or the ATM in order to carry out the necessary technical works. 3) 24 x 7 unrestricted access for NBAD staff and contractors who will be designated to provide service support for the ATMs. 4) The agreed ATM location is expected to be permanent as we will neither consider installing the ATMs at temporary locations nor accept any internal shifting of ATMs.

33 E-Dirham G2 ATM/CDM Requirements Technical Requirements: 1) The ATM should be placed in an air-conditioned and secure area. 2) Two power points are required at the spot of the ATM. 3) One Network point required at the spot of the ATM. 4) Require a working landline number viz. non DID number. 5) One individual who will be in charge of the whole installation process and his/her contact details (inclusive of Mobile Number) should be provided in advance. 6) Once the ATM has been installed, the power supply to the ATM shall not be switched off under any circumstances. If such requirement arises, bank would have to be notified as well as related bank procedures will have to be adhered to.

34 E-Dirham G2 ATM/CDM Requirements Network Requirements: In order for Etisalat to extend the data lines, the following requirements are to be adhered to: 1( A single mode fiber cable and a UTP CAT-6 (4 pair copper) cable from the ETISALAT main room (MDF room) in the building to the proposed E-Dirham machine location should be laid. 2) The Fiber cable should be terminated in the wall socket with LC connector while the CAT-6 cable should be terminated in the wall socket with RJ-45 connector. The cables should have extra 5 meters neatly coiled in the MDF room.

35 E-Dirham G2 Payment Gateway Requirements E-Dirham Payment Gateway: - Powerful, reliable, country-wide National based electronic payment consolidator - Offers the opportunity to conduct safe, easy, undistributed, and secure online and real-time electronic payment transactions - Incorporates various multiple payment mechanisms in a single secure framework.

36 E-Dirham G2 Payment Gateway Requirements Integration Between the Merchant/Ministry and the payment gateway through: - Merchant SDK. - Java/.NET SDK. - Sample Application. - Ministry readiness. [Staging & Production Environments] + [Development] + [Questionnaire]

37 E-Dirham G2 Payment Gateway Requirements Payment Cycle: - The transaction flow originates at the pay page from merchant site. All data collected from the merchant shall be sent to the designated payment gateway as an encrypted data over SSL channel. - Payment gateway decrypts the merchant data and displays the payment information along with merchant information, and payment method selection such as VISA or master card credit information. - The customer enters the card information and submits the information. - The Gateway encrypts the transaction information along with the Merchant information that the bank needs and sends the request to the bank to be processes. - The bank sends the result of processing the request back to the gateway along with the transaction information. - The gateway will redirect the result of the transaction to the merchant.

38 E-Dirham G2 Payment Gateway Requirements Auto Update Function: - Auto update is responsible of synchronizing the final statuses of all transactions between merchant site and payment gateway. The developer must implement the auto update function as described in the Merchant SDK integration document guide provided with SDK CD. - The simple functionality of AutoUpdate is as the following: a) The AutoUpdate cycle starts from the Merchant side by calling the AutoUpdate redirect page; the AutoUpdate page will fetch the transactions in sequence and redirect each transaction to the Payment Gateway to confirm. b) The gateway in turn will redirect the transaction information to the Bank to confirm it and send it back to the gateway; which finally redirect the transaction information with the status of the AutoUpdate to the Merchant.

39 E-Dirham G2 Payment Gateway Requirements Auto Update Function (Cont d): c) The AutoUpdate uses an HTTP call to redirect the transaction to the Payment Gateway; which is important for the developer to overcome any network setup along the way (like proxy server). d) The AutoUpdate Function must be Scheduled in a times communicated with the PG Admin. For the transactions needed to be AutoUpdated, mostly everyday at midnight Questionnaire: Merchant SDK Questionnaire.

40 E-Dirham POS Requirements There shall be a new agreement that ministries might have to sign with MoF and/ or NBAD, regarding the acceptance of e-dirham G2 Visa Co-branded cards New HYPERCOM EFT POS to be installed, replacing the existing G1 eposs. The rollout of these new terminals (and phasing out old ones) shall gradually take place STS MOF and NBAD strategic partner- will be involved in handing new POS rollout (installation, training and field support), against an SLA There shall be procedures for handling old/ new cards and POS terminals, to be announced soon

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42 Financial settlements & Verifications The system has sophisticated financial settlement techniques for all parties using the system (banks, merchants, government & non-government parties). Also, it has financial verifications for those parties. The new system is integrated with the new financial system of Ministry Of Finance 42

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44 Thank you