vtc pay presentation

V TC PAY E-WA LLE T A NDONLINE PAY MENT G ATE WAY

B U S I N E S SP R O F I L E

Vietnam Multimedia Coporation (VTC)http

s://

pay.

vtc.

vn

VA

TYP

C

Introduction

Achievements

Operation

Business Capacity

Security Capacity

01VTC Pay Overview-13

02Products and ServicesPage 14-28

03Cooperation and DevelopmentPage 29-31

CON

TEN

T

VTC Pay E-Wallet

VTC Pay Online Payment Gateway

Payment Services for Digital Content

Cooperation Commitment

Contact

C

1.1 Introduction

1.2 Achievements

1.3 Operation Team

1.4 Business Capacity

1.5 Security Capacity

01 VTC PAY OVERVIEW

http

s://

pay.

vtc.

vn

VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 5

Established in:

January 23rd, 2009

Mobile Applications:

VTC Pay

VTC Pay OTP

VTC POS

Head Office:

Hanoi: 23 Lac Trung St., Hai Ba Trung Dist

Ho Chi Minh City: 128E Nguyen Dinh Chinh St., Ward 8, Phu Nhuan Dist

Da Nang: 158 Le Dinh Duong St., Hai Chau Dist

Business Scope:

Service Payment

Website:

https://pay.vtc.vn

1.1 Introduction

VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn6

1.2 Achievements

2013

Splitting VTC Paygate into VTC Pay and VTC365

Connecting to the International Payment Gateway

Launching automatic vending machines using VTC Pay Account as payment method

2011Becoming one of top E-commerce Providers in Vietnam

2012Implementing the artificial Kiosk System

2010Launching VTC Paygate E-Wallet - Original version of VTC Pay & VTC365

2015

Certified the Payment Card Industry Data Security Standard PCI - DSS Implementing

Deploying Near Field Communication Solutions (NFC)

2016

Being licensed for supplying the payment intermediates Service by Vietnam State Bank

Award winner of the best services and products voted by Consumers 2015 (hold by Vietnam Consumer Magazine and Vietnam Government)

Deploying QR Code Payment Solution

2010 2011 2012 2013 2015 2016


1.3 Operation

Technical Operation Department:

Managing and operating the data system

Setting up, operating, managing the network Equipment

Customer Care Department:

Customer Care

Supporting, troubleshooting inquiries and complaints

Software Department:

Building up, developing, managing the Core Database System, payment connections

Creating the service software, CMS system

Designing Department: Designing 2D, 3D, Media, graphic design material

VTC Pay

Developing online payment network and Payment business partnership

Pr and Marketing activities

Research and Development Payment services


Location - Area

Data Center System (IDC) Server system and application technology

Number of server

200+

Constructed since: 2007

Upgraded in: 2010, 2012

Standard: Tier 3

Number of Physical server: 60+ E5-2680v3/32 GB RAMUsing Windows Clustering and SQL Clustering to make sure service safety, performance efficiency as well as service data

Number of virtual server: 140+ 16 vCPU/32GB RAMUsing Cloud Computing on virtual infrastructure to supply the ready-to-use server, for data and DR Site

1.4 Business Capacity

150m2

200m2IDC Ho Chi Minh: 2nd Floor - 259 Dong Den Street – Tan Binh District

IDC Hanoi: 2nd Floor - 65 Lac Trung Street


Sync/Async

Hosting System

Total capacity Backup DR Site HN-HCM

Device

150TB

EMC VNX7600 LocalLocal/Remote

Snapshot

Snapshot

Store: 120+ TBIOPS > 100.000


IDC Ho Chi Minh City2nd Floor - 259 Dong Den Street – Tan Binh District

IDC Hanoi2nd Floor - 65 Lac Trung Street

Transmission infrastructure

VNNIC Hanoi

10GBs

1GB 1GB

1GB

1GB 1GB 1GB1GB

10GBs 10GBs 10GBs 10GBs2GBs

VNNIC Ho Chi MinhVTN Hanoi Viettel Hanoi Viettel Ho Chi MinhFPT Hanoi FPT Ho Chi Minh

Netnam Hanoi Netnam Ho Chi MinhCMC Hanoi CMC Ho Chi Minh VDC Hanoi SPT Ho Chi Minh


The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. Essentially any merchant that has a Merchant ID (MID)

The Payment Card Industry Security Standards Council (PCI SSC) was launched on September 7, 2006 to manage the ongoing evolution of the Payment Card Industry (PCI) security standards with focus on improving payment account security throughout the transaction process. The PCI DSS is administered and managed by the PCI SSC (www.pcisecuritystandards.org), an independent body that was created by the major payment card brands (Visa, MasterCard, American Express, Discover and JCB)

1.5 Security Capacity

PCI DSS CERTIFICATE OF COMPLIANCEPCI DSS (Payment Card Industry Data Security Standard)

Since 18/06/2015, VTC Pay has been certified for PCI DSS certificate by Trustwave Holdings, Inc.


Trigger the green light Stand out from the crowd

Displaying the green address bar shows customers that you go above and beyond the norm to assure their security. Customers will soon become accustomed to looking for the green bar when choosing which websites to patronize. With an Extended Validation SSL Certificate, your site can attract these savvy shoppers

Extended Validation (EV) Certificates trigger a green address bar on modern Web browsers (such as Internet Explorer® 7 and above), as well as the familiar three signs of security that today’s Internet users expect to see: the closed padlock, the https and an SSL site seal from a respected authority. Together, these four indicators instantly show customers that the website is legitimate and that it has phishing protection, making it a safe place to transact business

Provide phishing protection and prevent fraud online. EV Certificates are issued only to organizations eligible under strict validation requirements, can be purchased only from a select group of Certification Authorities, such as Network Solutions®, and only after passing a rigorous and thorough examination of your business credentials. This extended security examination proves to customers that the site is legitimate and they can trans-act with confidence

Highest level of assurance for site visitors

Highest level of assurance for site visitors

With the ability to encrypt data at up to 256-bits nsProtect Secure EV SSL Certificates convert data into virtually impenetrable code that is safe from hackers and identity thieves. A secured website helps protect your client’s reputation and guard against possible penalties and criminal prosecution

EV SSL CERTIFICATEEV SSL (Exented Validation SSL)

VTC Pay’s website - https://pay.vtc.vn/ - is secured by an Extend SSL certificate provided by GlobalSign since 14/01/2016

https://pay.vtc.vn


ISO 27001 STANDARD OTPISO 27001 - 2005 Once Time Password Once Day Password

ODP

VTC Pay is certified with fully standards of data safety in 2015 under the following criteria:

Internal information is protected. Less than 3 of incidents relating to data and business secret leaks

Less than 5 of serious incidents of data safety

Continuous operation of system. The amount of time for server interruption is less than 3 hours and the number of interruption does not excess 5 times/year

Less than 5 serious incidents relating to system data safety a year

The one time password used to protect customers’ accounts after each single transaction. There are 3 kinds of OTP: OTP SMS, OTP App, OTP Matrix

OTP SMSThe password is used when customers withdraw money from e-wallet to their own banking account. Invalid within 3-5 minutes

OTP AppAutomatically generate the OTP and show the valid time, used to verify the transactions. Invalid within 30s

OTP MatrixOTP Matrix Card is issued by VTC to verify the transactions on VTC Pay system

The password within 24 hours to protect accounts after each transaction, to be sent via SMS and email. ODP can be used multiple times within 24 hours since receiving the messages

To change ODP limitation send PAY ODP (money amount) to 19001530

To cancel ODP send PAY ODP HUY to 19001530

ODP security service via SMS only support VTC pay account using Viettel, Vinaphone, Vietnamobile, Mobifone simcard

The fee of SMS banking service is 500vnd/sms. Including: ODP, OTP, proactive message, card code sms

2.1 VTC Pay E-wallet

2.2 VTC Pay Online Payment Gateway

2.3 Payment services for Digital Content

02PRODUCT ANDSERVICES

http

s://

pay.

vtc.

vn


Activated e-Wallet accounts

Monthly transaction amount

Daily transactions

400.000

30.000

6.500.000 USD

2.1 VTC Pay E-Wallet

VTC Pay E-wallet is an electronic account created at https://pay.vtc.vn, allowing customers to store virtual money, which is equivalent to the value of money in their bank account, and make payment online and/or offline without cash


ONLINE TOPUP OFFLINE TOPUP

FAST WITH DRAWAL CONVINIENT USAGE

E - W A L L E T O P E R A T I N GF R A M E W O R K

31 domestic banks

International Card

ATM machinesBank Counters

Bank Account Transfer money

Online Shopping

Offline Shopping

More Promotions, High Discount


Verification Success!User fill the infomation

User add the bank account infomation to account

System sendthe verificationrequestvia SMS and Email

User activate his accountsby the code

E-Wallet: Customer’s phone numberPassword: An 8-18 character string (concludes numbers, capital and normal characters)Verification code: 6 character string

VTC Pay Regitration Process

1 2 3 4 5


VTC Pay E-wallet Topup Processs

1 2

563

7 8 9

4User

Bank/ International Card Organization

Choose the payment method: bank counter, internet banking, international card

Supplying the information according to the option

System send verification code via email and SMS and request user to verify transaction

Deduct from user’s bank account

Add the amount of money to the e-wallet account balance

Customer verification (e-wallet)

Notify of successful topup

Verification success

Verify the transaction with the code


VTC Pay Money Withdrawal Process

User

Bank/ International Card Organization

1

Choose withrawal feature and fill the information

Check whether the information meet the requirements or not

Check if the bank account infomation is correct or not

2

3

4

6

7

8

5

Create verification code and send to customer

Verify transactionby code

Check if the codeis Valid

Deduct the amount of the account balance

Credit on user’s accountDedit on VTC’s accounton Bank


Online Payment Service

User

Merchant

User access to merchant system, buy products/service

Choose payment via VTC Pay, Fill the infomation and choose make payment by VTC Pay

Login VTC Payaccount

Create orders

Create verification codeand send to customer

Credit on user’s accountDedit on VTC’s account on Bank

1 3 4 7

9

5 6 8

2

Check whether the account information and account balance are valid or not

Verify the transactionwith the code

Delivery


Point of Sales Payment

Q R C O D EP A Y M E N TThe solution using QR code to make payment via VTC Pay E-wallet.

Food & Drinks Transportation Sport Learning Retail & Shopping Other Services


N F CP A Y M E N TThe near field connection method which allows payment with VTC Pay E-wallet

Food & Drinks

Transportation

Sport

Learning

Retail & Shopping

Other Services1 TOUCH– TRANSFERRING MONEY1 TOUCH– PAYMENT DONE


is a service providing technical infrastructure to connect between the payment acceptance units and banks to assist customers to make payments in e-commerce transactions, electronic bill payments and other electronic payments

Supporting customer make payment quickly and easy via

31 domestic banks

3 international cardorganizations(VISA/ MasterCard/ JCB)

VTC Pay Online Payment Gateway

2.2 VTC Pay Online Payment Gateway

VTC Pay E-Wallet


VTC Pay Online Payment Gateway Operating Framework

Making online orders

Approve and send transaction

Send notification

Delivery

Withdraw Cash

Transcipted Data

Transcipted Data is transmitted directly to VTC Pay

Seller’s bank

Buyer’s bank

Buyer

Seller

Bank

1

5

4

3

2


Registering VTC Pay Account within 10s

Supporting Cybersource Tokenization Module Payment

Mutil level Sercurity for data transmission with Token, OTP, Secure 3D, PCI DSS Standard

Easy to integrate, compatible with all technologies

No maintenance cost, integration cost

Easy to withdraw money, real time update to account balance

Guarantee to risk sharing if chargeback rate is over 1% with physical products and 5% with Digital content Products

Products Advantages

To Buyer To Seller


Retailers at Social networks and forums

Online digital content website

B2C website (online trading)

Payment, collection service for telecommunications, TV, Water/ Electricity charges

Hotel, travelling agencies (abroad trading)

Charity organizations (online funding)

Customers and Partners

Our Customers Our Business Partners


Using scratched prepaid Card as payment method for service

In order to make payment, customer need to fill the serial number, card number

Using SMS connection and telephone operator as payment method

In order to make payment, customers need to text messages to a provided fixed dialing code

Vcoin Card System

Viettel Card System

Mobifone Card System

Vinaphone Card System

Vietnamobile Card System

SMS PaymentScratched prepaid Card Payment

2.3 Payment Services for Digital Content

Customer

VTC

Partners

Customers interact with partners’ service, using scratched prepaid card to fill on the user interface of service

VTC supplies connection gateways to verify cards with the information: card type, card value and card status

WebsiteApp VTC Pay Prepaid card

Payment Gateway


High revenue sharing rate

One connection – use all popular cards

Compatible with muti-platform products (Web, Wap, App)

Quick and accurate system control with partners

Over 18.000 distribution points located all over the country

Number of issued card 5 million cards/month

High variety of cards from 10.000đ to 1.000.000đ, meet customers’ requirements

Revenue sharing rate is about 90%

Easy and convenient payment method, familiar with Vietnamese customer behaviors

Payment support for 5 types of most popular cards in the market (98%): Viettel, Mobifone, Vinaphone, Vietnamobile, Vcoin

Wide ranges of options, easy to choose

VC OIN C A R DP R O D U C TA D V A N T A G E S

MULT IF UNC T ION A LPAY MEN T ME T HOD

Our Customers Our Business Partners

3.1 Cooperation Commitment

3.2 Contact

03COPPERATION AND DEVELOPMENT

http

s://

pay.

vtc.

vn


Cooperation goal: Win - Win

Financial transparent

Maximum technical support

24/7 Customer Care

Lowest risk rate

3.1 Cooperation Commitment


Mr. Lucas NguyenHead of Global Business Development

Mobile: +84 983336226Email: [email protected]: lucas_nguyen0728Website: https://pay.vtc.vn

F O R M O R E I N F O R M A T I O NP L E A S E C O N T A C T

3.2 Contact

https://pay.vtc.vn