Unified Payment Platform Payment Pos Server Fraud Detection Server Reconciliation Server Autobill Server e-point Server Mobile Payment Server

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1 Unified Payment Platform Payment Pos Server Fraud Detection Server Reconciliation Server Autobill Server e-point Server Mobile Payment Server E-PAYMENT Group of Companies

2 Infinitium E-Payment is a Unified Payment Platform designed for enterprise level merchant to provide comprehensive online transaction and payment capability for authorizing, fraud monitoring, payment gateway auto routing and settlement reconciliation across payment modes. Infinitium epayment simplifies online payment processing by providing a reliable, secure, and affordable way to accept payments, no matter what the size of your business. Infinitium E-payment supports a wide range of payment channel such as Web Portal(s), Call Center, Electronic Bill Presentment, Self Service Kiosk and Sales Counter with multiple payment modes such as credit card, e-debit, loyalty point redemption and micro payment within a common platform. E-PAYMENT Accepting Payment Online E-Payment Pipeline Order and Processing Fraud Screening Management Global Payment Acceptance Multiple Acquiring Merchant Account and Payment Modes. 5 Fraud Screening Operations associated with automated and manual order review by risk profiling and scoring. Technology and Dynamic Routing operations with processing integrity, interchange management and payment failure management. Payment Security Transaction security PCI compliance management Collection & Reconciliation Chargeback management and payment reconciliation operations. Payment Solution Overview Multi Channels Payment Modes Infinitium Payment Server API Messaging Broker Mobile Commerce Call Centre Web Portal (s) Card Not Presence Scenario Bill Payment Payment POS Server Dynamic Routing Fraud Detection Server Reconciliation Server Payment Adaptors Micro Payment /epoint System E-Debit Credit/Debit Charge Cards Terminal/Kiosk Sales Counter Card Presence Scenario Value Added Mobile Payment Loyalty System EPOS MEPS Cash Infinitium E-Payment simplifies your incoming electronic payment process and provides you with a security hardened system, while giving your customers the assurance they need to purchase your goods or services. In short, we make it easy for your customers to pay you securely. Ease of Implementation and Scalability Wide range of configuration options to support both hosted and remotely distributed merchant environment. Comprehensive API integration options to integrate with existing legacy system. Scalable to support numerous merchant accounts. Scalable to support large volume of transactions. Scalable to support multiple currencies. Scalable to support multiple acquiring banks. Scalable to support multiple payment adaptors for different payment modes. Research indicates merchant who accept more than 3 payment methods has higher completion rate.

3 Versatile Payment Platform Supports various payment format and mechanisms via Payment Adaptor in one common platform: ISO Adaptors for E-POS bank card. SSL Adaptors for Credit card and Debit card. HTTPS Adaptors for SG Interbank e-debit (enets). JAVA Adaptor for Interbank e-debit (FPX). HTTPS Adaptors for China Interbank e-debit (China UnionPay). Phone Adaptors for CTI-based PABX Phone Credit Card. WAP Adaptors for WAP and GPRS Credit Card. SMS Adaptors for SMS Credit Card. MPI Adaptors for VISA s 3D Secure and MasterCard s SPA-UCAF. Batch Adaptors for off-line transactions. Industry Standard Security Built-in Password Policy - System Account lock out and Auto Reminder to change password. Fully customizable User Access Control for all functionalities. Ensuring only authorized users are able to view and access sensitive data. System hosted on 256bit SSL web server protocol. AIS and PCI- DSS compliance. Sensitive data are encrypted with MD5 encryption. Support Verified-By-Visa and MasterCard s SecureCode standard with MPI plug-in. IP Authentication of merchant web server. CVV2/CVC2/CID checking. Full SSL encryption for host communications. Dynamic Routing Engine Reduce transaction cost with Dynamic Routing Engine based on optimum cost saving for On Us and Off Us transaction. Automatically segregate incoming transaction by merchant account for revenue recognition. Reduce single point of failure by auto switching to secondary acquiring banks. Intelligently route high risk transaction to a separate RED LANE process flow whereby more detail investigation can be carried out. Open up more partnership possibilities with more acquiring banks and as a result creates more marketing and promotion opportunities for both parties. Powerful Merchant Administration Tool Comprehensive transaction management and reporting via web based Merchant Administration Tool giving you access to your online transactions anytime, anywhere. Extensive operational control to support a wide range of payment transactions such as Authorization, Sale, Capture, Refund, Reversal, and Batch Settlement. Flexibility in selection of operation modes; automatic, manual or both. Order and Fraud Screening Every single incoming transaction will go through an automated screening process for Risk Scoring. FDS-4 pillars of fraud scoring and profiling to determine Risk Score. Automated Screening to reject high risk transaction. Automated Screening to accept low risk transaction with auto-capture facility. Routing of medium risk (Red Lane) for manual review by the Fraud team.

4 Order and Fraud Screening Process Authorization: Decline Fraud Risk: Low/Medium/High automated 1 1st Stage Automated Screen Authorization: Approved Fraud Risk: High automated Reject Incoming orders FDS with 4 Pillars Fraud Scoring and Profiling Authorization: Approved Fraud Risk: Low Authorization: Approved Fraud Risk: Medium? automated Accept 2 Manual Review with Fraud Tools Reject Accept Processing Management Mobile Phone KIOSK 1 Consumer Browser 4 Goods Delivered Payment POS Engine Payment Adaptors 3 Issuing Bank Authorization Response Internet IVR SSL (https) 2 Authorization Request SSL Protocol (128 bit) SSL / 3D Secure Merchant Storefront Server 5 Settlement Request 6 Deposited Acquiring Bank Do you know...? Online transactions are considered card not present transactions and are inherently riskier. Losses incurred from do chargeback penalties, inventory loss and shipping costs know can exceed the product price alone! Infinitium Fraud Detection Server (FDS) integrated within the Infinitium E-Payment platform is a very effective solution available to help you minimizes the fraud. FDS provides risk scoring for every transaction, based on the fraud parameters configured by you.

5 Fraud Detection Server (FDS) Features AVS, CVV. 3D Visa-Verified By Visa, MasterCard SecureCode. Address/Telephone Validation. Global Fraud Validation Merchant Fraud Scoring Multiple attempt indicator. Purchase pattern. Velocity check. Free check. Customer IP Geolocation. Tracking Boarding point (for airlines). BIN Match. Shipping/Billing match. Devices fingerprint IMEI/BB PIN/Mobile. Network Fraud Profiling Group/Global purchase velocity. Indentity morphing. Bad List/Good List DB. Chargeback record. Fraud Detection Server (FDS) FDS reduces the incidences of fraud and controls the risks of card-not-present financial transaction. FDS is tightly integrated with Infinitium E-Payment to provide risk scoring for every transaction based on the fraud parameters that you can easily configure. FDS confidentially shares fraud information across all our merchant networks creating a community effect to help one another to manage fraud. If a shopper has done a fraudulent transaction with any of our merchant networks, you will be alerted when this shopper tries to make a purchase. With FDS in place, the merchant is able to manage and control fraud with confidence. FDS is a robust and integrated solution that combines: A comprehensive arsenal of risk management technologies to minimize fraud. Control of the order screening process to maximize valid sales and customer satisfaction An extensible decision platform that will adapt and grow with the business Enterprise-class reliability, availability, security and scalability for efficiency and performance. Merchant Fraud Scoring Create business-specific rules to enable sophisticated transaction profiling intelligence to be applied. Verification with correctly formed syntax. Free Public Address Check. Frequency of Purchase. Multiple Attempt Indicator. Duplicate Purchase Check. IP Locator. Card and card type matching check. Velocity Check. Transaction Footprint Check. High Risk Shipping Country Check. High Shipping Cost Check. High Risk Purchase Hour Check. Network Fraud Profiling The centralized Fraud Profiling alerts the merchant with the shopper profile if the shopper has a chargeback record, fraudulent history, used a stolen and/or blacklisted credit card in Infinitium s FDS network. Real-time query and matching to Centralized Blacklist database. Shared Profiling across our merchant networks. New submission for information of fraudulent transaction to the Centralized Blacklisted database by our large pool of merchants that conduct e-commerce transactions worldwide. Global Fraud Validation Customer Tracking Customer Tracking Tools are powerful tools to further verify the identity of your customers and conduct further review to ensure a bona-fide transaction. Shipping Address Verifier Reverse lookup on telephone number Domain Verifier. Freight Forwarder Verifier. IP Locator matching IP to city/state and country. BIN Indentifier. Device Fingerprint based on IMEI/BB PIN/Mobile.

6 Other Value Added Payment Solutions epayment Infinitium epayment for Merchant The Unified Payment Platform that simplifies online payment processing with multi channel, multi payment modes and real time fraud detection for enterprise merchant. Dynamic routing for On Us/Off Us. Support multiple payment modes - credit card/debit card/edebit/loyalty points/ewallet. Real time credit card acquiring with multi currency. Real Time Fraud Scoring and Profiling. Automated Reconciliation System. Web based management consoles. RPS Autobill System for Merchant Dedicated system targeted at merchant who is doing auto billing for recurring payment such as monthly bills, installment plan, monthly membership, insurance premium renewal and etc. Automation of Auto Billing facility with Dynamic Routing for On Us/Off Us. Web based Management Console. Real-time Credit Card Acquiring with multi currency. Fully customizable reporting template for multiple bank submission. Multi business rules for exception handling of expired or invalid card. E-STORE Infinitium emall Comprehensive online storefront solution for large merchants and banks with online catalog, shopping cart, shipping logic and payment system fully integrated. Support multiple biz model for B2C, B2B, Many to Many, One to Many. Support multiple Micro sites for sub-merchant/supplier. Support product redemptions as well as money plus point purchases. Various marketing module such as Buy 1 Get 1 Free, Free Shipping, Promotion, Voucher Discount, etc. Suggestive selling and up-selling modules Ideal for bank s Emall with backend integration for On-Us routing. Mobile Payment System Infinitium Mobile Payment System (MPS) MPS is a customized solution for merchant who is interested to offer mobile based payment. Mobile Commerce for native Blackberry and iphone. Real time credit card acquiring with multi currency. SMS / GPRS/ WAP / 3G based. MPS SDK +Jar Files. Support BIS + GPRS +3G Support 3D Secure authentication with OTP. Infinitium Offices Malaysia Infinitium Group of Companies No.15-2, Block C1, Jalan PJU 1/41, Dataran Prima, Petaling Jaya, Selangor, Malaysia. Tel (+603) Fax (+603) Group Website International Sales sales@infinitium.com Indonesia PT Infinitium Solutions Mayapada Tower Lt A, Jl. Jend. Sudirman Kav. 28, Jakarta Selatan, Indonesia. Tel (+6221) / (+6221) Fax (+6221) Singapore Infinitium Solutions Pte Ltd 8 Ubi Road 2, #04-05 Zervex, Singapore Tel/Fax : (+65)