netaccess l-series payment routers, network transaction concentrator plug-and-play routing devices...
DESCRIPTION
GHL Systems’ family of award-winning netAccess enterprise payment network devices are essentially simple, plug-and-play routing devices that provide protocol conversion and allow multiple payment devices or EDC terminals to be interconnected, and then simultaneously routing transactions quickly to multiple destination hosts – without ever having to replace or redeploy EDC terminals. The L & X-Series payment routers are merchant-level, LAN-optimized network transaction concentrators and routers that enable EDC terminals to be networked and to perform extremely cost-effective and efficient transaction routing from these LAN terminals to the acquiring parties. Upgrade and transform their legacy payment networks from traditional RS232 EDC terminals to RS485 or TCP/IP – without having to re-deploy or change their existing infrastructure or network Exploit more efficient or faster wireless communications (Wi-Fi, GPRS, EDGE or HSDPA) channels Use other communications channels as secondary pr backup links (ADSL, PSTN-ODD) Transform variable communication costs to fixed costs Route transactions to multiple hosts accurately and securelyTRANSCRIPT
September. 2010
NetAccess L-Series
- a gateway to
Competitive Edge and Cost Saving
Private and Confidential. Copyright of GHL Systems Berhad
L-series Benefits and Competitive Edges for Acquirers
PurchaseNew
Terminal
Vx510/IP combo
Vx510/GPRS
O3750
O3750
Use OldExistingTerminal
Private and Confidential. Copyright of GHL Systems Berhad
Low cost upgrading of Legacy Terminal to meet merchant’s new requirements
O3750
• Ind
ustr
y re
liabl
e w
orkh
orse
• Sol
d m
ostly
in 2
002
to 2
005
• PS
TN
Dia
lup
& t
wo
RS
-23
2 p
orts
• EM
V T
rx.
Tim
e 11
-15s
ec• M
erch
ant
like
the
use
r in
terf
ace
New
Pro
toco
ls a
nd M
erch
ant’s
Req
uire
men
ts Networking,RS-485 or IP
Need more ports
Desktop GPRS
Faster SalesTransaction Speed
Issues:• New terminal Certification effort• High terminal purchase cost• How to redeploy old terminal?• Difficult inventory management with more terminal type.• Merchant retraining on new
terminal.
3 * RS-232
RS-485/RS-232
IP GPRS
L100
BenefitsCost <20%/(3 GPRS edc)8 sec transaction time
3 * RS-232
RS-485 IPBenefitsCost <10%/edcUse Existing Cabling
X-10
Private and Confidential. Copyright of GHL Systems Berhad
Competitive Edge-Scenario 1- Chain 3edc/Outlet
Bank A Merchant A Bank B
Existing Acquirerwith MDR=1.7%using 3 dialup terminals
1. Proposal to acquire with MDR=1.6% using 3 dialup terminals
A2. Request Bank A to reduce MDR to 1.6% or lower
A3. Bank A approvedrequest.
B2. Director resolution to change bank
B3. Opening Bank B account
B4. Install Bank B terminals
B5. Training of cashier to use new terminals.
B6. Request Bank A to retrieve old terminals.
Bank A Merchant A Bank B
Existing Acquirerwith MDR=1.7%using 3 dialup terminals
1. Proposal to acquire with MDR=1.7% using 3 GPRS network terminals
A2. Request Bank A to provide new GPRS network terminals?
A3. Bank A not ready
with GPRS infra from GHL.
B2. Director resolution to change bank
B3. Opening Bank B account
B4. Install Bank B terminals
B5. Training of cashier to use new terminals.
B6. Request Bank A to retrieve old terminals.
Merchant’s Benefits:Save telephone charges of about USD30/month/outletFaster transaction time of 8 sec, reduce queuing at cashier
X
XGPRS
Private and Confidential. Copyright of GHL Systems Berhad
Lower Cost of Ownership SolutionFor Acquiring Multi-lane Merchants
RS-232
RS-232
RS-485
Ethernet
Length: 1.2km
Length: 50 ft
Leased-line
or IP-VPN
PSTN
ADSL
GPRS 1PRI 1
SEC
TER
XLower by 85% CommunicationCost and with
two redundancyCost saving in using existing
Cabling (RS-485 or IP)
Using same (old) terminal for both dialup and
network. No need upgrade or separate inventory
GPRS 2 PRI 2
Private and Confidential. Copyright of GHL Systems Berhad
Bank B Proposed Specifications
Bank C
IP-VPN Networking GHL’s L350
IP-VPN Primary Connection GPRS-1 and/or GPRS-2
ISDN Secondary Con. ADSL
None Tertiary Connection PSTN
New IP Cabling Cabling Existing RS-485
Higher Upfront Cost (CAPEX) Lower
RM1,500/month Monthly Cost RM200/month
Higher Transaction Cost Lower
Higher MDR Lower
Lost Sales Outcome Win
Competitive Edge-Scenario 2- 10 to 30 EDC terminals Multi-lane
Private and Confidential. Copyright of GHL Systems Berhad
Competitive Edge-Scenario 3 – Battle of Desktops
Bank X Proposal to Merchant Bank Y
Dialup EDC Terminal EDC + L100
About RM100/month on RM100k/mth sales
Telephone Call
Charges
FREE
Lower Monthly Bank’s Cost Higher, <0.05% MDR
11 to 15 sec Transaction Time 8 sec
Same Proposed MDR Same
LOST Sales Outcome WIN
Bank X Bank Y
Private and Confidential. Copyright of GHL Systems Berhad
Competitive Edge-Scenario 4 – Low-cost Multi-Lane with 4 to 10 terminals
Bank Z
MerchantGPRS 1
GPRS 2
ADSL
Pri-GPRS
Sec-GPRS
Ter - ADSL
Bank’sNetwor
k
Bank Bank Z Bank M Bank N
Connection L200/2xGPRS IP-VPN PSTN dial-up
TCO- upfront & operation Medium High Low
MDR Medium Highest Lowest
Sales Outcome Win vs Bank M – lower MDR
Win vs Bank N – same MDR, faster and no communication cost for
merchant
Lost to Bank Z due
to MDR
Lost to Bank Z due
to terminal speed and no communication cost
RS-232 RS-232 RS-232
RS-232X-10 X-10X-10
L200
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Retail Payment Communication
NetAccess L200 Optimus-application
Existing Retail Communication
RJ-11cableHandset
PSTN• Fixed Monthly Rental Cost
– Fixed Line Rental– EDC Terminal Rental– Internet Access Fee
• Variable Monthly Call Charges– Voice Call– Data Call Charges
• Service issues– Waiting time for new phone lines
may takes months.– One to two working days service
response time– Multiple Service Providers.
EDC Terminal
Personal Computer
Celco’sClosed User Group
-FREE CALLS
New Retail Payment Communication-Cut off your PSTN fixed line connection
RJ-11cable
Handset
Data
Voice
GSM/3GG
PR
S/3
G
Card transactionBank
RPC(Retail PaymentCommunication)
EDC Terminal
Internet
PC and or ECR
TCP/IP
Benefits to Merchant in Malaysia
• Lower cost of shop’s telephone bill– FREE payment transaction call charges of RM0.08 to
RM0.90/transaction depending on location– Lower 65% outbound mobile call charges by up to 60%– FREE call charges between shop phone and DIGI’s Closed User
Group.
• No fixed line required in shop• Faster credit card transaction and Internet access• One point of service contact for both phone and credit
card terminal service with 24x7 and 4hours response time nationwide.
• Faster installation and service of phone and terminal in shops.
• Move your operating office to anyplace anytime
Private and Confidential. Copyright of GHL Systems Berhad
NetAccess L-series Product Offering
Terminal Model Ingenico EFT930SG
Ingenico EFT930S+ NA L100
Ingenico EFT930S+ NA L200
VeriFone Vx510 GPRS
VeriFone Vx510+ NA L100
VeriFone Vx510+ NA L200
Sales Time* 12.06sec 10.84sec 11.34sec 16.8sec 11.68sec 11.94sec
Void Time* 12.74sec 10.40sec 11.46sec 15.9sec 11.02sec 12.08sec
Settlement Time*
8.03sec 7.96sec 8.76sec 20.6sec 15.52sec 15.52sec
Advantages One piece24MB Ram2 CPUsProven
One Celco SIM support up to 5 terminals24MB Ram2 CPUsProven
One or two Celco SIM, supports up to 10 terminals24MB Ram2 CPUsProven
One piece One Celco SIM support up to 5 terminalsProven
One or two Celco SIM, supports up to 10 terminalsProven
terminal
picture
Desktop GPRS Terminal Options
Note * : eDebit Transaction time (average of 5 transactions with Card Pay’s Host), from pressing Enter Key to 1st. Receipt printed out.
Terminal Model Ingenico EFT930SG
VeriFone Vx510 GPRS
Ingenico EFT930S+ NA L200
Ingenico 2x EFT930S+ NA L200
Ingenico 3x EFT930S+ NA L200
Ingenico 4x EFT930S+ NA L200
Sales Time* 12.06sec 16.8sec 11.34sec <12sec <12sec <12sec
2nd GPRS Sim No No Yes Yes Yes Yes
Price / sitePrice/terminal
2X2X
2X2X
2X2X
3X1.5X
4X1.3X
5X1.25X
Advantages 1.Fast2.Proven for 3 yrs.3.Ingenico is the largest vendor in the world.
1. Verifone has a reliable brand
1.Fastest2.One GPRS SIM per EDC network up to 10 terminals.
1.Fastest2.One GPRS SIM per EDC network up to 10 terminals.3.Lower cost
1.Fastest2.One GPRS SIM per EDC network up to 10 terminals.3.Lower cost
FastestOne GPRS SIM per EDC network up to 10 terminals.Lowest cost
terminal
picture
Desktop GPRS Terminal vs GPRS Cluster Desktop Terminals
Note * : eDebit Transaction, from pressing Enter Key to 1st. Receipt printed out.
NetAccess L-Series Product Offering
NetAccess Model
Uplink UplinkFailover?
Downlink Max No. of Terminal
Special Features
X-10 RS-485, TCP/IP No RS-232, RS-485,TCP/IP
3 (4) Convert PSTN terminal to multi-lane terminal
L50 GPRS, TCP/IP No PSTN ports,TCP/IP
3 Convert PSTN terminals to GPRS without software change
L100 GPRS, TCP/IP No RS232,RS485, TCP/IP
5 Improve EMV transaction speed of terminal by up to 5 sec from PSTN speed
L200 2x GPRS, TCP/IP Yes RS232,RS485, TCP/IP
10 2 mobile SIM for auto failover from primary GPRS to secondary GPRS
L200Optimus
2x GPRS, TCP/IP, GSM
Yes RS232,RS485, TCP/IP, PSTN
ports
10 Retail payment communication includes voice, internet and payment in one box to
save merchant money.
L300 GPRS/EDGE, TCP/IP, PSTN
Yes RS232,RS485, TCP/IP
15 3G/HSDPA uplink and WIFI downlink are optional
L350 GPRS/EDGE, 3G/HSDPA,
TCP/IP, PSTN
Yes RS232,RS485, TCP/IP, WIFI
30 (30-90) Can support 30 RS-485 devices, and with 30units X-10, can support up to 90
terminals
L1000 X.25, TCP/IP, ISDN
Yes RS232,RS485, TCP/IP
30 to 120 Ideal for setting up MallNet, loyalty& payment network in shopping mall.
Load Balancing
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L-Series Other Deployment Scenarios
Private and Confidential. Copyright of GHL Systems Berhad
GHL’s Solution for Transit
NetAccess L-350
TCP/IP
AD
SL
/ 3G
FSI’s Host or
Transit Operator’s server
Private and Confidential. Copyright of GHL Systems Berhad
GHL’s Solution for Bus
• Bus Validator device is offline & contactless– All transaction batch and comms managed by NA L200– 2 GPRS SIM support for failover.
• Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported
• Driver can choose to open only front doors (so alighting passengers must pass the exit validator)
Entrance Exit
Private and Confidential. Copyright of GHL Systems Berhad
NetAccess: Key Advantages
Private and Confidential. Copyright of GHL Systems Berhad
THANK YOU
Alex Tan
Vice President International Sales