AUTOMATED PAYMENTS PROCESSING SYSTEM

А В Т О М АТ И З И Р О В А Н Н А Я С И С Т Е М А У П Р А В Л Е Н И Я П Л АТ Е Ж А М И2

Competence at the core

International Recognition and Awards:Diebold Nixdorf / Wincor Nixdorf

Special Achievement Banking 2000, 2013, 2014, 2017.

Best Banking Solution 2012, 2013, 2016.

Best Banking Service 2002, 2003, 2012, 2013, 2014.

MostInnovativeSoftwareSolution2004,2005.

MostInnovativeConcept2002,2003,2004,2005.

ATM Industry Association

Best ATM Security Technology 2002.

Lithuanian Confederation of Industrialists

Innovation Prize 2016.

LithuanianProductofthe2001,2005,2006,2007,

2008, 2012, 2017.

Certificates: ISO 27001, ISO 20000, ITIL V3, PCI PA - DSS.

ThecompanyPenkiųKontinentųBankinėsTechnologijos(BS/2)isthepartofPenkiKontinentaigroupofcompanies,providesservicesin78countries,creatingsoftwaresolutionswhichhelpautomateandoptimizeyourbusiness.

Formorethan25years,wearedevelopingspecializedinnovativesoftwareandtechnologicalsolutionsforbanks,financialinstitutionsandretailcompanies.Weareofferinghigh-qualityITproductsthatmeetyourcustomers’needs.

Our Services:

Softwaredevelopment,sales,installation,supportandsystemsintegration services

IT service outsourcing

Maintenanceandrepairofbanking,telecommunication,acquiringandretailequipment

Monitoring of IT infrastructure

Stafftrainingandconsulting

Spare parts supply

Salesofspecializedequipmentforbankingandretailcompanies

Our Clients: Banksandfinancialinstitutions

Retail companies

Gas stations

Postal services

Othercompanies(casinos,hippodromesandothers)

78 countries where activitiesare carried out

20+ years of partnershipwith Diebold Nixdor

7 affiliated

companies in Azerbaijan,

Estonia, Georgia, Kazakhstan, Kyrgyzstan,

Latvia and Uzbekistan

90+ partners

around the world

700+ international

customers

300+ talented professionals

25 YEARS ON

THE MARKET:

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About the Payments.iQ solution

Payments.iQ is a full-featured software solution for payments processing (utilityservices,taxes,andfines),anytypesofelectronicservicessales(tickets,refillcodes,vouchers, etc.), retail banking automation through ATMs and other self-serviceterminals management. Payments.iQ solution can be easily integrated into the existing fleet of self-serviceterminals fleet without disrupting day-by-day operations of the banks, tradeorganizationsandotherenterprises.

Pay ment s . iQ was recognized as the Best BankingSolut ion2012 /2013at Regional Par tner Summit Europe2013, organizedbyWincor Nixdor f (DieboldNixdor f ) .

Payments.iQcomplieswiththerequirementsofthePCIPA-DSS(PaymentApplicationDataSecurityStandard).

А В Т О М АТ И З И Р О В А Н Н А Я С И С Т Е М А У П Р А В Л Е Н И Я П Л АТ Е Ж А М И5

Provision of the Information and payment services through self-service terminals;

Registration, routing and processing of the payments information;

Paymentsincash,bypaymentcardsorbytransferringoffundsfrom an account;

Collection and processing of financial transactions fromcustomers’self-servicedevices;

Supportforcashcollection(CIT)procedures;

Identificationofcollectorsinvariousways;

Flexible commission assignment system for each individualservice provider;

Specific role based users - operators, administrators,technologists, tax inspector etc.;

Formationofpaymentsregisters.Onebuttonpayment;

Import and export of reference data from externai information systems;

Capabilitytogeneratetransactionandanalyticalreportsonthesystem’sfunctioningandoperations;

Terminalequipmentmonitoring:cashstatus,paperrollstatusinthe receipt printer, security sensors status.

Differentmethodsofpayments-bycashorbankcards;

Perform bank cards payments using the protocols ISO8583 andNDC/DDC;

Usingoftheunifiedexchangeprotocolfordetailedpaymentdatacollection directly from self-service terminals;

Capability to get customer data from the service provider‘sdatabase;

Abilitytoquicklyintergratewithanewpayment’sprovidersandadd payment scenario;

Single user-friendly interface for all types of devices independent of its manufacturers;

Flexibleuserrightsmanagement;

Various means of integration with third party systems: WebServices,importandexportoffiles;

Different types of customer’s identification: by customer ID inservice provider system, payment card number, phone number,loanagreementnumber,paymentbook,etc.

Features

Advantages

Server Payments.iQ

Core Banking System

Processing center

Online banking

Other

Billing System

Customer

System’s owner

Value of commission

1.

2.

3.

4.

5.

6.

Administrator Operator Technologist Tax collector

Electricity

Water

Gas

Heating

Others (taxes, fines, insurance ...)

7.

Communicationservices

Payment terminal

ATM

Electronic Cash register

Mobile devices

EFTPOS

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Solution scheme

1. POS collect payments for services or products in cash and non-cash form.

2. Multichannelaccesstopaymentsthroughdiversetypeofdevices:paymentterminals,ATMs,EFTPOSterminals,cashregisters,mobiledevices,etc.

3. Configuredrolebasedworkplacesfortheadministrators,operators,technologists,taxinspectorsorauditors,creatingthewholesystem’smonitoring.

4. Paymentsregisterformation,typeofcommissionanditssize.

5. Workwiththirdpartysystems:corebankingsystems,processingcenters,Internetbanking,etc.6. Multi-channelbillingsystem(canbeusedintheBillManager.iQenvironment).

7. Service Providers.

Unified information

bus

Core Banking System

Processing center

DB/NXapplication

software

ATM

Server Payments.iQ

BS/2 XML

Authorization channel (NDC/DDC)

Administrator

Operator

Technologist

Server Payments.iQ

Insurance company

server

Vehicle Registry

Server

Customer

BankProcessing center

Payment terminal

Payment terminal

Payment terminal Administrator Operator Technologist

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Application of the system Payments.iQ

BankThe Payments.iQ implementation expands the functionality of self-service devices and enablespayments for various services.

Thesolutionmightbeintegratedwithanyprocessingcenter.

Insurance CompanyPayments.iQimplementationschemefortheproject

« Insurance sales» for the insurance company, using self-service terminals, capable of accepting bothtypeofpayment-bankcardsorcashwithchangedispense module».

Customer

Server Payments.iQ

Administrator Operator Technologist

Core Banking System

Processing center

Payment terminal

ATM

Customer

Server Payments.iQ

Administrator Operator Technologist

Core Banking System

SID

Bank

А В Т О М АТ И З И Р О В А Н Н А Я С И С Т Е М А У П Р А В Л Е Н И Я П Л АТ Е Ж А М И8

Application of the system Payments.iQ

Repayment of loansPayments.iQ solution could be applied in the bankandnon-bankcreditorganizationinordertoprovidecustomerswith theopportunity to repay loansonself-service devices.

The solution is integratedwith the bank’s core orcreditorganizationprocessingcenter.

Automatic deposit systemsThe Payments.iQ software solution is adapted forthemanagement of variousSID (Smart IntelligentDeposit)automaticdeposit systems,whichallowsto expand the functionality of the equipment anduse the device for depositing cash in self-service mode.

Customer

Server Payments.iQ

Administrator Operator Technologist

Core Banking System

Processing center

Payment terminal

ATM

Customer

Server Payments.iQ

Administrator Operator Technologist

Core Banking System

SID

Bank

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Related products

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Dashboard.iQ–isanintellectualmoduleof.iQfamilyproductsthatprovidesdatagatheringfunctionandvisualizesitasvividreportsforanalyzingandmakingdecisions.

Remote File Management.iQ–isan.iQfamilyproductenablingasecurefilestransferbetweenself-servicedevicesandadminis-tratorworkstationordatacollectionserver.

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Bill Manager.iQ–thesolutionfortransactionprocessingandPOS-terminalsnetworkmanagement.

TransLink.iQ – the automated data collection system for the provided services, the accounts creation and the conduct of settle-mentsbetweenconsumersandserviceproviders.

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.iQ Family Products

Data Collector

Mobile SolutionPlatform

UserSecurity

Management

AssetDeviceManagement

Business Analytics

Video Surveillanceand Fraud Prevention

Currency Exchange Solution

Branch Securityand Video Monitoring

Automated Payment Management

Remote File Management

Automated DataCollection and Billing

Service Managementand Optimization

Payment and LoyaltyManagement

Transaction Processingand POS Terminal

Network Management

Automated TellerSafe Management

Management, Control andOptimization of Cash Flows

Video BankingSolution

JSC “Penkių kontinentų bankinės technologijos”Kareiviu st. 2, LT-08248, Vilnius, LithuaniaTel.: +370 5 266 45 95, Fax: +370 5 266 45 50E-mail: info@bs2.lt / www.bs2.lt , www.payments-iq.com