1. ITS & Verifone Added Value Applications Emad Allam - ITS

2. Agenda 1. MIGS (MasterCard Internet Gate way Services 2. e-Top up & e-Voucher 2. e-Top up & e-Voucher 3. e-Payment Utility 3. e-Payment Utility 4. Application Structure 4. Application Structure

3.  MIGS is the MasterCard Internet Gateway Service.  MIGS is provide to banks to facilitate ePayments and physical transaction in either a Card – Present or Card –Not-Present mode.  MIGS processes all card types.  MIGS leverages the Bank’s existing transaction processing connectivity to MasterCard’s Banknet® Global Network MIGS

4. 4  Supports regional and global Merchant requirements – One payments interface – Multiple payment instruments: Credit, Debit(signature), Purchase Card w/ enhanced data – Compliance with Card Scheme authentication – Multi-Currency processing MIGS

5. MIGS MiGS BANKNET POS Clearing/Settle ment Internet Acquirer Issuer Authorization DCFDCF

6. MIGS MC BankNet Issuer WEB MIGS GCX DCC POS Issuer Master Card Non-MC Merchant Management TCP/IP

7. MIGS Financial Transactions  Purchase.  Refund.  Void.  Pre-Auth & Auth Completion  Cash Advance Administration Transactions  Reconciliation.  End of day statistics

8. MIGS Communication  GPRS (TCP/IP).  Optional Dialup (PSTN) which needs to be converted to TCP/IP via a converter. Administration Transactions  Reconciliation.  End of day statistics

9. MIGS Extra Features  Multi Languages (English & Arabic)  Multi Currencies (US$ & Local)  300 Transactions Bilingual Saving Authorization Completion with Extra Charges as Percentage (Parameterized value) Authorization Completion with Extra Charges as Percentage (Parameterized value) Financial Transactions Summary Report. Financial Transactions Summary Report. Pre-Auth Summary Report. Pre-Auth Summary Report. End of day Statistical Report. End of day Statistical Report. Automatically completed authorization Transactions Deletion. Automatically completed authorization Transactions Deletion. Batch history with scrolling all saved financial transactions facility to reprint, refund, and void. Batch history with scrolling all saved financial transactions facility to reprint, refund, and void. Two merchants in the same POS with the availability to activate one or both. Two merchants in the same POS with the availability to activate one or both. Two levels of security (supervisor and manager). Two levels of security (supervisor and manager). Support two communication modules (TCP/IP & GPRS). Support two communication modules (TCP/IP & GPRS). Parameterized Receipt ‘s Footer / Header Parameterized Receipt ‘s Footer / Header

10. MIGSMIGS Lebanon Syria Egypt KSA

11. Agenda 1. MIGS (MasterCard Internet Gate way Services 2. e-Top up & e-Voucher 2. e-Top up & e-Voucher 3. e-Payment Utility 3. e-Payment Utility 4. Application Structure 4. Application Structure

12. ZAIN  POS application to enable end user to generate an e_Voucher and e_Top Up transactions.  POS application to support two separate communications modules (PSTN and GPRS)  POS application to support 3 different languages (English, Arabic, and Urdu)  POS applications to assure the security using different password levels

13. ZAIN

14. ZAIN VOUCHER 25 SR VOUCHER 50 SR VOUCHER 100 SR  VOUCHER 150 SR VOUCHER 200 SR  27-10-07 11:14 E-TOP UP E-VOUCHER SUPERVISOR MENU

15. ZAIN VOUCHER 25 SR VOUCHER 50 SR VOUCHER 100 SR  VOUCHER 150 SR VOUCHER 200 SR  27-10-07 11:14 E-TOP UP E-VOUCHER SUPERVISOR MENU ENTER MOBILE NO. +966504131769 ENTER AMOUNT 254 SR

16. ZAIN VOUCHER 25 SR VOUCHER 50 SR VOUCHER 100 SR  VOUCHER 150 SR VOUCHER 200 SR  27-10-07 11:14 E-TOP UP E-VOUCHER SUPERVISOR MENU ENTER MOBILE NO. +966504131769 ENTER AMOUNT 254 SR MERCHANT REPORT USER PASSWORD SUP. PASSWORD ENTER OLD PASSWORD ****

17. ZAINMIGSZAIN Lebanon Syria Egypt KSA KSA Kuwiat Syria Jurdan

18. Agenda 1. MIGS (MasterCard Internet Gate way Services 2. e-Top up & e-Voucher 2. e-Top up & e-Voucher 3. e-Payment Utility 3. e-Payment Utility 4. Application Structure 4. Application Structure

19. E-Payment  The POS has the functionality to do the bill payments for various military such as water bills, electricity bills, madinah municipality ….etc.  Standard POS transactions  Bilingual (English & Arabic)

20. E-Payment Server SADAD SADAD Issuer

21. MIGSZAINPayment Lebanon Syria Egypt KSA KSA Kuwiat Syria JurdanE-PaymentKSA Syria

22. Lebanon Kuwait KSA ZAIN RAJHI RAJHI Audi Bank Audi Bank Fransa Bank KNET Burgan Bank KFH Development Product Development ProductSAMA

23. Application Structure

24. Verifone GSM GPRS TCP/IP PSTN Communication

25. Quality ISO 9001-3 SW-CMM Level 2 & 3 CMMI 4

26. VeriFOne Mr. NADER ABDEL AZIZ