Success Stories TRANSPORTATION SERIES
PAYMENT SOLUTIONS, REDEFINED
04 Contactless & Mobile Transactions
• Howa International, THAILAND
05 Contactless Payments for High Speed Rail Link
• KLIA Ekspres, MALAYSIA
06 Mobile Registration via GPRS Terminals
• RoadAccidentVictiomsProtectionLtd,THAILAND
07 High Speed Payments over High Seas
• StarCruises,ASIAPACIFIC
03 Online Payment Gateway
• AirAsia,MALAYSIA
Contents
DISCLAIMER
©2009 GHL Systems Berhad. All rights reserved. GHL Systems netAccess, VersaRead, NetMATRIX, NetTransact are either registered trademarks or trademarks of GHL Systems or their affiliates in Malaysia and/or other countries. References in this publication to GHL Systems’ products or services do not imply that GHL Systems intends to make them available in all countries in which GHL Systems operates. This document is based on information provided by our client and it illustrates how one organization uses GHL Systems’ products or services. Many factors have contributed to the results and benefits described, GHL Systems does not guarantee comparable results elsewhere.
3 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
Online Payment GatewayAIRLINE TRAVEL, MALAYSIA
About AirAsia
TheleadinglowfareairlineintheAsia-AirAsiahasbeenexpandingrapidlysince2001,tobecomeanawardwinningandthelargestlowcostcarrierinAsia.
Withafleetof72aircrafts,AirAsiafliestoover61domesticandinternationaldestinationswith108routes,andoperatesover400flightsdailyfromhubslocatedinMalaysia,ThailandandIndonesia.Todate,AirAsiahasflownover55millionguestsacrosstheregionandcontinuestospreaditswingstocreatemoreextensiveroutenetworkthroughitsassociatecompanies,ThaiAirAsiaandIndonesiaAirAsia.
AirAsiabelievesintheno-frills,hassle-free,lowfarebusinessconceptandfeelsthatkeepingcostslowrequireshighefficiencyineverypartofthebusiness.
Website
www.airasia.com
Key Challenges
• Createahighspeedandlow-costregionalpaymentgatewaysystemthatconnectstomultiplebanksandcanacceptmultiplecurrencies
• Highlydependable,secureandflexiblesolutionthatintegratesandprocessesmultiplepaymentmethodsonlineforflightseatsandancillarytravelproducts
Ticketless Concept
Synonymouswithitsphilosophyonno-frills,hassle-free,lowfarebusinessconcept,AirAsiaturnedtoGHLSystemstodesignandbuildanonlinepayment
gatewaytoreplacethetraditionalmethodsofflightbookings.
Fortheticketlessconcepttobecomeareality,thesolutionhastobeefficient,secureandalways-oninordertocreatesavingswhicharethenpassedontoguests.
TofulfillAirAsia'srequirements,theonlinepaymentgatewayisbuiltonGHLSystems’award-winninge-paymentprocessinggatewayknownasNetTransact*.Itsopenintegrationandapplicationplatformenablesnewpaymentstechnologyandapplicationstogrowinstepwiththebusinessobjectivesofawiderangeofe-businesses.
Theaward-winningNetTransactisabletoacceptandprocesstransactionsfrommultiplechannelssuchastheInternet,traditionalPOSsystems,IVR,SMSgateways,ATMs,mobilekiosks,aswellasvariouspaymentmodesfromcreditordebitcards,EFT,cashandE-Purseapplications.
Inadditiontothat,thesolutionconnectsmultiplebanksandcurrenciesacrossAirAsia'ssistersitesinAsiaPacific,makingonlinetransactionspossibleatanytimeandplace.
TheintroductionofAirAsia'sonlinesalesfacilityhasseenanamazinggrowthintheairline'sinternetsaleswithover40%ofitstotalsalesgeneratedthroughtheinternetalonein2003comparedtoonly25%whentheonlinesalesfacilitywasfirstintroduced2002.
AirAsiaisconfidentthatthisfigurewillgrowwithmorepeopleenjoyingandrealizingtheconvenienceofonlinebooking.
Todate,AirAsia.comattracts20millionuniquevisitorspermonth.
Key Benefits
• Secureandimmediateonlinebookingsandverification.
• Speedy,ticketlessandborderlessbookingsacrossmultiplecurrenciesandlocations.
• Integratedpaymentchannelsacrossrregionsinonewebsite
Secure and speedy online transactions via AirAsia.com
"As AirAsia was expanding very aggressively throughout Asia Pacific since inception, I needed a payment system that can provide the company with a solution that is cost-effective, robust, stable, flexible and expandable, connecting into many banks and currencies.
Seems like a big wish list but GHL’s NetTransact Payment Gateway was able to fit the bill and we now have a system that is very reliable and with the bells and whistles that was required to process the many payments methods that we have and need for our guests to purchase seats and other ancillary products."
Mr. Lau Kin Choy, AirAsia’s Regional Head of IT & E-commerce
*NetTransact- Winner for Best of Financial Applications MSC MALAYSIA ASIA PACIFIC ICT AWARDS 2008
4 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
Contactless & Mobile TransactionsLIMOUSINE & TAXI SERVICE, THAILAND
About HOWA Int Co. Ltd
HowaInternationalbecomesthefirsttaxiandlimousinecompanyinThailandtooffercreditcardpaymentfacilityviaGPRS/GSMportableterminals&contactlesscardreaders.
Key Challenges
• Implementahighspeed,always-onandportableterminalsandcontactlesscardreaderto100taxisforpilotphase
• Integratetheportablecreditpaymentfacilitywithacquiringbank
• Minimizehardwareredundancy,costsandtransactiontime.
Cashless Payments on the Go
WelcometoBangkok!Thailand’sswellingcapitalofover9millionpeopleteemingwithculture,trafficand60,000colourfultaxis.Amidstthecity’sbusytraffic,dozensofdifferenttaxicompaniesinmulti-hueslinethebusycitysoi(streets)vyingforpassengers.
Cheapandplentiful,commutersarespoiltforchoice.
Determinedtoprovideinnovativeanddifferentiatedservices,HowaInternational,amajorBangkokcabandlimousinecompanyistrailblazingthewaycommuterspay-withGHLSystemsasitschosentechnologypartner.HowaisamongthefirsttaxicompaniesintheAsiaPacificregiontointroducemobilecontactlesspaymentsviaGPRS/GSM.
Speedy, Successful Deployment at Minimal Cost
Therequirementforthesolutionincludedimplementingextremelycosteffectivecontactlesssolutionwhileutilizing,high-speed,always-onconnectivityviamobileorwirelessterminals.ThetransactionwouldthenberoutedviaGPRStothepaymenthostandnetworkattheacquiringbank’spremises,KasikornBank(KBank).
ThepilotdeploymentrolledoutinFebruary2009,encompassingover100taxisinthecity.Withmobilecontactlesscreditfacilities,commutersinBangkokcannowenjoysecure,speedytransactionsandtheconvenienceofcashlesspaymentsonthego.
Implementation Highlights
• Same-sourceimplementationandconsultingservices
• Rapiddeploymentwithnodisruptiontobusiness
• Energyefficientterminalsandreadersrelyonthepowersupplyfromthevehiclesitself
GHL Thailand successfully
integrates GPRS terminals and
contactless readers into a major
Bangkok cab and limousine company.
HOWA Taxis on the road with deployed terminals
5 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
Contactless Payments for High Speed Rail LinkRAILWAY SYSTEM, MALAYSIA
About KLIA EKSPRES
KLIAEkspresisapremiumnon-stophigh-speedtrainservicethatconnectsKLIA(KualaLumpurInternationalAirport)andtheKualaLumpurcitycentre.
Cruisingatatopspeedof160km/h,thejourneytakesabout28minutes.BackedbySiemenstechnology,KLIAEksprespromisestobefast,reliable,safe;andcomfortable.
KLIAEkspresoperatingat15-minutesintervalsduringpeakhoursand20minutesduringoff-peak.ItisMalaysia'sfastestrailwaysystemwitha99.8%on-timeserviceperformance.
Website
www..kliaekspres.com
Key Challenges
• Createahighspeedanduser-friendlycontactlesssolutioncapableofhandlinghightrafficofcommuters
• Solutiontoincludethecontrolofautomaticgateactivatedbysuccessfulcontactlesstransactions
Just Tap & Board
Tocomplementtheconvenienceitsetsouttoprovide,KLIAEkspresappointedGHLSystemstocreateanautomatedsystemthatwouldenablethegatesatthearrivalanddeparturehallstoacceptcontactlesspayments.
Forbusytravellersandcommuterswhereeveryminutecountsfortimelycheck-ins,thissystemwillenabletheusertopayforhisorhertrainfarewithjustatapofVISA'sPayWavecontactlesscardandheadstraighttotheboardingplatformwithoutthehassleoflongqueuesattheticketingcounters.
How it works
GHLSystems'VersaReadVR-300ContactlessCardReader,VerifoneOmni3750terminalandthegatecontrollerboardareallintegratedintotheboardinggates.Basedonthepremiseofafixedpricedfare,thedisplayscreenatthegatewillrequestcardholderstoperformasaleforasingletripfare.
Whenthecardholdertapsacardontothereaderembeddedatthegate,thereaderprocessesthecardandtransmitsthedatatotheterminal.Transactiondataisthentransmittedtothegatecontroller.
DatawillthenberoutedtothebackofficehostwhererequiredinformationwillberecordedbyKLIAEkspres.Oncethebackofficehostreceivesthedata,anduponsuccessfulstorageofdata-'opengate'messagewillbesenttothegatecontrollertoallowaccessforthepassenger.
Asettlementwillthenbeconductedatapre-determinedtimeeveryday.
Implementation Highlights
• Streamliningofinfrastructure
• Rapiddeploymentwithnodisruption
• Nochangesneededtoexistinghost,fullintegrationofnewfunctionalityintoexistingnetworks
Key Benefits
• Speedyandsecurecontactlesstransactions
• Queue-freetransactions,increasedefficiencyatticketingcounters.
KLIA Ekspress
Just tap and board for a hassle free experience on KLIA Ekspres' high speed rail services.
6 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
Mobile Registration via GPRS TerminalsVEHICLE INSURANCE, THAILAND
About Policy Vendor Registration
InThailand,RoadAccidentVictimsProtectionLtd(RVP)wassetuptofacilitatepaymentstoroadaccidentvictimsandisownedcollectivelyby62non-lifeinsurancecompaniesinThailand.
Untilrecently,carownersregisteredtheircarsthetraditionalwayoffillingupapaperformandrelyingontheiragentstosubmittheapplicationtoRVP’sdatabase.Theproblemwiththismethod:unscrupulousagentswillissue‘delayed’submissionofvalidapplicationstoavoidacutofftheirpremiumstoRVP.Consequentlywhenaccidentsdohappen,theapplicant’sinformationisnotfoundregisteredinthedatabase,hencenoclaimscouldbepaidouttobonafidevictims.
Website
www.rvp.co.th
Key Challenges
• Createahighspeedanduser-friendlyapplicationforvehicleinsuranceregistrationviapaymentterminals
• Applicationtoenableterminalstodisplayandprintreal-timeThaicharactersonregistrationslip
• Deploythecommissionedterminalstooverathousandinsuranceagents
Register, Pay & Print
TechnologyreplacestraditionalmethodswhenGHLThailandpartneredwithRVPtodeploythePolicyVendorRegistration(PVR)systemin2007.PolicyvendorregisterationterminalsareusedbyRVPtolinkdifferentinsurerstomanagedataregardinginsuranceclaims.KBankwilllinkwiththeRVPnetworktooffercashmanagementservicestofacilitatepaymentsbetweenthecompanyanditscustomers.
Initsdoubleedgedsolution,GHLThailanddeployedtheterminals(portableandcountertops)toover1500insuranceagentsandcreatedacustomizedapplicationwherebycarownersareabletokeyintheirinformationviatheterminals(inreal-timeThaicharacters),payupandprinttheregistrationslipsonspecializedpaper.
ThetransactionandinformationisthenroutedtoRVPnetworkwhichhasahostatitsacquiringbank-KBank.ApplicantsareassuredthattheirpolicyisverifiedandregisteredintheRVP’sdatabasewhileinsurancecompaniesareassuredoftheirrightfulfeesfromtheagents.
Thesuccessfuldeploymentprovesthatonceagain,GHL’stechnologygoesbeyondpayments-enablingandredefiningthetransactionmethodsofinformation.
Implementation Highlights
• GPRStechnologywasutilizedtoextendthefunctionalityofthesystem
• Rapiddeploymentwithnodisruption
• Fullintegrationofnewfunctionalityintoexistingnetworks&infrastructure-
• Over1500terminalsdeployed
Key Benefits
• Secureandimmediatevehicleinsuranceregistrationcumpaymentviaacommonterminal
• Immediateprintingandverificationofvehicleregistrationslipsforvehicle
Register , pay and print
Register, pay and print as you go for your next car insurance via the PVR - Policy Vendor Registration.
7 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
About Star Cruises
StarCruises,togetherwithitsjointlycontrolledentity,NorwegianCruiseLine(NCL),isthethirdlargestcruiseoperatorintheworldwithacombinedfleetof16shipscruisingtoover200destinationsintheworld,offeringcloseto30,000lowerberthswhileNCLispresentlybuildinganewthirdgenerationFreestyleCruisingprojectknownasF3,fordeliveryin2010
StarCruises,theleadingcruiselineinAsia-Pacific,operates5vesselswhichincludeSuperStar Virgo, SuperStar Aquarius, SuperStar Libra, Star Pisces andMegaStar Aries, offeringvariouscruiseitinerariesintheAsiaPacificregion.
Website
www.starcruises.com
Key Challenges
• Toprovideasecureandreliablecommunicationpaymentinfrastructurethatisavailableevenoverthehighseas
• Cost-effective,yetdependablewithbuilt-infallbackforassuredcontinuity
• CreateahighspeedIPpaymentssystemonboardStarCruises’fleetofships
• Streamlinetransactionandcommunicationchannelstoreducetransactioncosts
Floating City
Sinceitsinceptionin1993,StarCruiseshasachievedglobalrecognition,beingtheleadingcruiselineinAsia-Pacificandoneofthethreelargestintheworld.
Overthelastdecade,StarCruiseshasplayedaleadingrolein shapingtheregionalcruiseindustrybyofferingnewclass-leadingluxurymegashipsandexcitingitineraries.Alongwithitsexcitingitinerariesandmyriadofentertainmentanddinningoptions,StarCruiseturnedtoGHLSystemtoupgradetheircustomerexperiencewithregardstoitspaymentsystemsonboard.
Priortoimplementation,StarCruises'systemutilisedlegacyterminalsondialup.Asuccessfulproof-of-conceptconductedfromNovember2009toJanuaryof2010providedthevoteofconfidenceneededtoconvincethebusinessthattheL-350wasindeedthedependable,faster(...turn to next page)
High Speed Payments over High SeasSEA TRAVEL, ASIA PACIFIC
8 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
High Speed Payments over High SeasSEA TRAVEL, ASIA PACIFIC
(...from previous page)
andcosteffectivesolutiontheyneededtocomplimenttheirexistingsatellitebroadbandconnection.
Affordable, Stable & Secure Communication Channel
Intoday’spaymentsworld,thecommunicationportionofthepaymentsystemisoftenneglected.Withdial-uplinesgettingcheaperandmorereadilyavailable,mostmerchantswillrelyonthischannelofcommunications.However,onafloatingcitythatroamsaroundtheworldonhighseasthisoptionmaynotbethecheapestormorereliablesolution.
Cruiseshipsallaroundtheworldhaveacommonproblemwhichistheunavailabilityofaaffordable,stableandsecurecommunicationchannelforcreditcardtransactions.
GHLSystemsdeployeditsaward-winningnetAccessL-350onboardtoprovideasecure,reliableandhighlyavailablepaymentinfrastructuretocruiseoperators.
TheL-350wasdeployedusingacombinationofencryptionandhostroutingviaNII,concentratingalltransactionsfromonecruiseshipintotwoL-350sprovidingbackupforeachotherandcommunicatingcardtransactionssecurelytoyetanothertwoland-basednetAccessL-350-allviaIP.ThenetAccessL-350multi-threadsalsoallowforupto30simultaneoustransactionstotransact
atthesametime.Thisensuresasecure,dependable,fasterandhighlyaffordablecommunicationssolutionforsensitivetransactionaldataacrossasatellitenetwork.
Automatic Fall-Back
Sinceitsinception,theautomaticfall-backfeaturehasbeenbuiltintothenetAccessL-350.Thisfeatureprovesitsadvantagebyprovidingasystemarchitecturewithmultiplelayersoffallbackchannelsvaryingfrommobilecommunications(GPRS)toPSTNdial-upconnections.
Thesolutionisabletoutilizethesatellitecommunicationasitsprimarycommunicationtoaregionalpaymentprocessor.Intheeventofsatellitecommunicationfailure,thenetAccessL-350swillswitchautomaticallytosecondaryPSTNdial-upcommunicationsdirectlytothehost.Moreover,twonetAccessL-350boxesareimplementedoneachsitetoensurecontinuousavailabilityfortransactiontothebackhost.
Key Benefits
• Continuouslyavailablepaymentinfrastructureanywhereintheworld
• Remotemonitoringofthesystem
• IPtransactionsroutedacrossinternationalwatersbasedoncardtypeandcurrency
• Improvedtransactionsspeedandreducedcommunicationandmaintenancecosts
• Multiplebackupsonbothlandandsea networks
The Results
Thesystemhasbeensuccessfullyintegratedintothecruiseships'systemandmultipleterminalsareabletotransactatanypointoftime.Thestabilityofthesystemisguaranteedbyprovidingmultiplelayersoffallbackchannels.
Lastly,withtheuseofOpenVPNtocreateasecurechannelbetweentheship-basedL-350routersandtheshore-basedL-350routers,securityandintegrityofthetransactionalmessagesareguaranteed.
9 BANGKOK • BE I J ING • HANOI • HOCHI M INH • HONGKONG • KUALALUMPUR • MANILA • S INGAPORE • WUHAN ©2009GHLSYSTEMSBERHAD
EMV networks
Transaction routers and concentrators
Smartcard technologies
Loyalty and online payments
Consulting services
Contactless payments
Terminal line encryption
technologies
Payment gateways
PAYMENT SOLUTIONS, REDEFINED.
GHLSystemsistheAsiaPacific’sleadingend-to-endpaymentservicesenablerthatdeploysworld-classpaymentinfrastructure,servicesandtechnology.
WeareanMSC-statuscompanylistedontheMainBoardofBursaMalaysia(KualaLumpurStockExchange).Ourcompleteportfolioofpaymentsolutionsincludetransactionroutersandconcentrators,terminallineencryptiontechnologies,loyaltyandonlinepaymentsolutions,smartcardtechnologies,secureEDCandEMVnetworksandterminalstoconsultingservices.
GHLSystems'paymentsolutionsarefurtherrecognized,accreditedandcertifiedbyorganizationsandgoverningbodiessuchasVisa,MasterCard,JCB,
MEPS,PCI,SIRIM,SPVAandtheLineEncryptionWorkingGroup.
Byprovidingabroadrangeofpaymentsolutions,GHLSystemstodaydeploysitsproductsandservicestomultipleclientsacrossvariousverticalsegmentsworldwidenotlimitedtobankingandfinancialservicesinstitutions,telecommunications,transportation,retailandoilandgas.
WithofficesinBangkok,Beijing,Hanoi,HoChiMinh,HongKong,KualaLumpur,Manila,SingaporeandWuhan,andhavinghadsuccessfulforaysandestablishingmultiplepartnershipsacrosstheAsia-Pacific,European,theAmericasandMiddleEasternregions-GHLSystemsiswell-positionedtomeetthedemandsofaglobaleconomy.
GHL Systems
DISCLAIMER
©2009 GHL Systems Berhad. All rights reserved. GHL Systems netAccess, VersaRead, NetMATRIX, NetTransact are either registered trademarks or trademarks of GHL Systems or their affiliates in Malaysia and/or other countries. References in this publication to GHL Systems’ products or services do not imply that GHL Systems intends to make them available in all countries in which GHL Systems operates. This document is based on information provided by our client and it illustrates how one organization uses GHL Systems’ products or services. Many factors have contributed to the results and benefits described, GHL Systems does not guarantee comparable results elsewhere.
UnitL8C-G-15,BlockC,JalanDataranSD1,DataranSDPJU9,BandarSriDamansara,52200KualaLumpur,Malaysia [email protected]
WWW.GHL.COM