onecard faq

OneCard

§  What  is  the  OneCard  Pla0orm?    §  The  OneCard  Value  Proposi8on  

§  What  benefits  for  issuer,  acquirer,  cardholder  

§  Comparison  with  Compe8tors    

§  Standard  Business  Model  

§  Time  to  go  live  

§  Any  requirements  from  Clients/Partners  to  integrate  and  issue  OneCard.    

®  

Platform

In this Presentation we intend to inform the reader the Major Points of the OneCard Platform

What  is  the  OneCard  Pla1orm?  

•  The  OneCard  Pla1orm  issues  OneCards  that  is  universally  used  and  accepted  as  a  Closed-­‐to-­‐Open  card  management  system;  

•  It  is  the  Western  Version  of  China’s  Shang  Ying  Tong  Pla1orm  (similar  to  the  Octopus  Card  System)  –  BUT more complete;

–  Has Closed-to-Open capabilities

•  It  is  supported  by  other  compelling  Back  Offices  

OneCard ®  Platform

A New Multipurpose Prepaid Card System

The  OneCard  is  a  product  of  China  Union  Pay,  a  prepaid  card  built  on  the  robust    foundaMon  of  China’s  Shang  Ying  Tong    card.  

Secured  KYC/AML  qualified  

Physical  and  Virtual  Cards  supported  

A  powerful  integrated  and  

proven  Back  Office  that  processes  transac8ons  worldwide  

Full-­‐feature  cross-­‐border  transac8ons,  funds  transfers,  

loyalty,  and  dynamic  geo-­‐targeted  couponing  

Immediate  seQlement    

For  Merchants  &  Recipients  

BeQer  than  mainstream  system  fees  

Worldwide Travel & Student

Cards

OneCard ®  

Back Offices and Functions

OneCard  Back  Offices  

iBanker  supports  –  AML,  KYC  verificaMon;  SelecMve  Financial  Cards  for  Travelers  (e.g.  if  you’re  going  to  Paris,  you  buy  a  Euro  Visa  Card);  a  worldwide  slim  SIM  Card  for  data  and  all  cellular  networks;  Global  ATM  Networks  for  cash  withdrawals  in  local  currencies  

Yuan2Pay  supports  –  worldwide  transfer  of  funds  using  the  Ripple  Protocol.  Also  the  Renminbi  Gateway  for  in  and  outbound  transacMons  

MachPay  for  licensed  remi[ance  corridors  to  and  from  the  USA.  

This  slide  shows  the  various  Back  Offices  that  support  the  OneCard.  The  overall  Back  Office  is  the  Shang  Ying  Tong  System  (now  called  the  OneCard  Back  Office).  For  specific  features  and  funcMons,  other  Back  Offices  will  seamlessly  support.  

3.5 billion database

2.5MM ATMs

60 currencies 100 countries

•   End-­‐to-­‐end  payment  system  with  its  own  POS  infrastructure  •   Lower  processing  fees    •   Loads  funds  onto  the  card  •   Auto  top  up  • Transfers  money  between  cards  •   Checks  Account  balances  •   Views  transacMons  •   Customizable  and  scalable  •   No  household  income  requirement  •   No  membership  fees  •   Mobile  and  POS  capable  •   Tracks  Points  and  Rewards  •   Redeems  Points  for  Rewards  • You  only  need  OneCard  to  purchase,  reward  and  redeem  

OneCard  for  single  or  mul8-­‐merchant  Mul8-­‐category  Universal  deployment  with  scalability  Mul8-­‐apps  Merchant  independently  administered  Dynamic,  agile  and  flexible    

New  profit  centres  …  

Prepayment  for  the  unbanked  Bill  Payment  Cross  promo8on  and  Co-­‐branding  Loyalty  &  Rewards  Redemp8on  Dynamic  discoun8ng  perk  Couponing  perk  Lucky  Draw  perk  Analy8cs  –SKU  intel.  Dual-­‐SIM  for  worldwide  cell-­‐networks    

OneCard ®   Value Proposition

CARD  HOLDERS   AFFILIATES   CARD  ISSUER  

•  Same as all Affiliates benefits plus:

•  Control your own closed Loop payment gateway

•  OneCard shares revenues when Touch'n GO OneCard are used elsewhere

•  Customizable promotion management

•  Own Loyalty program management

•  Big data

•  Revenue streams: •  Trust: Interest &

breakage •  % of coupon

redemption •  % of swipe

transactions (Pay, Earn, Redeem)

•  Sell points to Affiliates •  Sell data •  Legacy revenue

•  Access to all cardholders in the network

•  Send out discounts & coupons-specials

•  Lower transaction fees than the Banks

•  You decide on how much you reward your customers

•  Geo-target cardholders

•  Allow Affiliates to exponentially grow their business

•  Data-mining of consumer and location analytics

•  On-site merchants receive OneCard payments

OneCard ®  Benefits

•  Use OneCard for payment at participating merchants

•  You only need OneCard to earn, shop & redeem

•  Easy reloading or Auto top up

•  All points pools on OneCard

•  Earn points faster

•  Mobile connectivity

•  Receive discounts and special promotions.

•  P2P Transfer funds

•  Redeem points at any merchants or online

•  Making your every day life more rewarding

Worldwide    Yes  Yes  Yes  No  No  

Commerce    Yes  Yes  Yes  Yes  Yes  

eCommerce    Yes  Yes  Yes  No  No  

Reloadable    Yes  Yes  Yes  Yes  Yes  

Remi[ance    Yes  No  No  No  No  

Loyalty      Yes  No  No  No  No  

Couponning    Yes  No  No  No  No  

PromoMons    Yes  No  No  No  No  

Target  promoMons    Yes  No  No  No  No  

Cell  communicaMons  Yes  No  No  No  No  

Customer  AnalyMcs  Yes  No  No  No  No  

Oyster  Octopus  MasterCard  VISA  OneCard  

OneCard ®  

Comparison with competitors

ATM  Cash-­‐Out    Yes  No  No  No  No  

Point-of-Sale Systems

OneCard WI-FI POS terminal

Wi-Fi Merchant

Connectivity

●  Smartphone ●  iPad ●  Laptop ●  Router

mPOS (ME-30)

The mPOS (Model ME-30) can be paired with any device that gives it connectivity to the Internet.

OneCard

Our POS terminals transact wirelessly. Great for night markets, and wet markets, open market eateries and events!

Any device with WIFI capability

OneCard Back Office settles the transaction

We have our own infrastructure and Wi-Fi capabilities.

Card holders receive an electronic receipt for each transaction.

Merchants process payments through the

mPOS OneCard terminal

Integration with your present POS infrastructure is possible. With our POSs you an extend POS reach.

•  We can also offer cardholders who are travellers a revolutionary new SLIM SIM Card.

•  This ultra-slim SIM can be attached to existing SIMs for all smartphones, and offer low-cost roaming access for voice and data worldwide. In addition the EMV SIM can contain a lot of personal data.

•  You and OneCard would share revenues with our provider partner.

Worldwide SIM

Ultra Slim SIM Card

Two-in-One

Global  ATM  Cash-­‐Out  

•  Our  iBanker  partner  has  seeded  the  majority  of  ATMs  with  their  middleware  many  years  ago  

• We  now  can  access  them,  and  will  provide  Cardholders  mobile  maps  where  they  are  available  

• Withdrawal  is  secure  using  tokenizaMon  

OneCard ®   Partnership Models

§  All Clients are pre-qualified, and sign a License Agreement

§  All Clients/Partners are expected to Brand their cards with the

OneCard logo for international identification and acceptance

§  All Clients can issue their own OneCards but production is managed

by Guangzhou UnionPay

§  There are no exclusive territories and regions

§  Integration into our Back Offices must be managed by us

§  Loading into Trust Accounts must be licensed

§  Remittance activities must be licensed

www.onecard.cards  |  KenMckenzie@onecard.cards  

One  Card  Limited  #615-­‐700  West  Pender  Street,  

Vancouver,  Bri;sh  Columbia,  Canada  V6C  1G8  

OneCard ®  

No  heavy  li^ing.  The  Back  Offices  are  assembled  with  proper  licenses.    No  heavy  investment.  We  are  flexible  with  the  way  we  work  (within  jurisdic8onal  regula8ons).  

All your firm needs is the OneCard to be competitive in today’s mobile and fast marketing world!

Summary