Presentation on Payworld Business

An initiative from

Sugal & Damani Group of Companies

About Payworld

Business Overview

Operations Overview

Payworld as Technical Solution

Technology @ Payworld

OverviewOverview

About Payworld

About Payworld About Payworld

Payworld is an initiative from Sugal and Damani group of companies.

Sugal & Damani is having group turnover exceeding INR 7000 crore and is in the business of Online Services, Lottery, Engineering, Technical Education, Share Trading , Real Estate, Hospitality and Jewelry.

Pay world's mandate is to provide online services through electronic terminals which include verticals like; Prepaid recharges Bill collection Online reservation Loyalty programs Online financial transaction

At present Payworld is having more than 40,000 electronic terminals and is present in 16 states.

PayWorld – Key HighlightsPayWorld – Key Highlights

India’s largest E-pin distributor and aggregator.

Strong financial standing with debt free operations.

Quality conscious: ISO 9001:2000 certificate.

Payworld aspires to mark its Global presence by providing its Tech Solutions to various overseas entrepreneurs.

Business Overview

Business Overview: Online service Industry – Market Size

Telecom

The estimated Indian pre-paid recharge market is approx. INR 70,000 Crore/month

TV Recharge The estimated TV recharge market is approx. INR 10,000 Crore

Online Reservation Air: INR 30,000 Crore/annum Bus: INR 15,000 Crore / annum Rail : 9,00,000 tickets / day

Bill Collection

The estimated Bill Collection market is INR 1,50,000 Crore

Business OverviewServices Offered by Payworld

Pre Paid Products All Prepaid products like Mobile recharge, Domestic &

International Calling cards, TV recharge, Cash cards etc…

Pin based (E-Vouchers) Pins-less (E-Top up)

Services Tie-up

MobileGSM - BSNL, Vodafone, Airtel, IDEA, LOOP, MTNL, AircelCDMA - Reliance, TATA

Calling Cards - MTNL, Reliance, TATA, Vodafone

TV Recharge - Tata Sky, Dish TV, Sun TV, Big TV, Airtel TV

Business OverviewServices Offered by Payworld

Business OverviewServices Offered by Payworld Contd..

Online Reservations

Rail Reservation

PayWorld has direct Tie-up with IRCTC for online booking.

PayWorld is in top five players in E-ticket booking.

PayWorld is booking approx. 40,000 tickets / month.

Business OverviewServices Offered by Payworld Contd..

Online Reservations

Airline Reservation

Doing e-tickets for both Domestic and International carrier.

Business OverviewServices Offered by Payworld Contd..

Online Reservations

Bus Reservation

Doing reservation for all the major bus operators through aggregator such as Red Bus & Ticketvala.

Coming Soon

Movie Tickets Astrology Classifieds

Business OverviewServices Offered by Payworld Contd..

Bill Collection

Electricity

Telecom Post paid

Tax Collection

Insurance premium

Business OverviewServices Offered by Payworld Contd..

Services Coming Soon

Loyalty

We are planning to offer Loyalty program for small retail chains and retailers through our terminals

Electronic Fund Transfer

We will be entering this segment as and when government deregulates this market, at present we are exploring the possibility of foreign remittance segment.

Operations Overview

Payworld is present in 16 states of India such as:

Delhi and NCRPunjabHaryanaWest BengalOrissaAssamUttar Pradesh EastKarnatakaTamil Nadu/ChennaiMadhya PradeshAndhra PradeshRajasthanJharkhandHimachal PradeshGujaratMaharashtra/MumbaiGoa

Payworld Operations in India

Payworld Office / Call CentrePayworld Office / Call Centre

Circle/ State Call Centre Location Remark

Mumbai Mumbai  Maharashtra Pune  

Maharastra Nagpur  

Maharastra Nashik  

Mahrastra Aurangabad  

Punjab Ludhiana  

West Bengal / Kolkatta Kolkatta  

Karnataka Bangalore  

Tamil Nadu / Chennai Chennai  UP East Lucknow  

National/ SW Calls Delhi For Tech software Problem

Access TerminalsAccess Terminals

PC POS

EFT POS

Mobile Phones

Web Portal: www.mypayworld.com

Windows based PC

Embedded Linux, 32bit 128/128 MB, QVGA, 2” thermal receipt printer, Mag swipe, smart card, USB, Wireless. EMV Co II.

Wide range of CDMA and GSM phones on GPRS connectivity

Payworld Channels Payworld Channels

Existing Pay world Channel

Lottery Channel

Retail Chains - National, Regional, City Specific

National E-Governance program - CSC Schemes

Corporate Retailers

Home based retailers

API business associate

Payworld Channels Contd.. Payworld Channels Contd..

Channel Number of Points

National E-Governance program tie ups, outlets in rural areas through companies like:

• 3i Infotech• SPANCO• GNG• UTL• Zoom Developers etc.

18,000

Modern Trade Retail:• BPCL• TATA Sky• MAFCOCs etc…

750

Sugal & Damani Lottery outlets in Maharashtra, Punjab and West Bengal

17,000

Pay World Channel 8,500

Total 44,250

Process Flow – Prepaid (E-PIN)Process Flow – Prepaid (E-PIN)

Retailer’s POS Terminal

Electronic PINs delivered by Cellcos

PayWorld Server

Purchase Order for PINs given to Cellcos

Walk-in Customer Voucher is

printed

PIN Availability is checked

Transaction is confirmed

Customer sends top-up request using his mobile phone

Pre-paid/ Billing System

Uploaded

Top-up completed

Process Flow – Pin Less (Flexi Recharge)

Retailer’s POS Terminal

E-recharge value topped-up on PayWorld account

PayWorld Server

Purchase Order for E-recharge given to Cellcos

Walk-in Customer

E-Recharge request sent over existing VPN network

SMS Received on Customer’s Mobile

SMS Sent

SMSC

Processed info sent thru VPN

Billing/IN

Collections Workflow

Billing Organization Bill Customer

Retailer

Central SDLA Server

SDUS’s BankBill issuer’s Bank

Agent

Payment

Receipt

RequestAuthentication Request

Transaction Code Validation

Payworld Strengths Payworld Strengths

In House Technical development, necessary on going changes / improvement as per demand of business can be done internally

National tie up with all telecom operator’s, availability of pins at circle levels also.

E-pin and Flexi for all operators

Strong network of retailers across 680 towns in India.

Synergy with existing business of on line lottery , availability of existing lottery channel of more than 17,000 retailers terminals spread in remote areas at Block levels.

Cash Management as in India business is done through cash for the services offered.

Financial standing, manpower resources, Retailer / Distributor Management experience of 3 decades

Payworld as Technical Solutions

A comprehensive Electronic Distribution Software Application and Services.

Payworld offers end to end comprehensive online connectivity from the cellular operators to the point of sale.

Covers Mobile top-up, TV recharges, Calling cards, Reservations, Cash cards and much more.

Supports various kinds of connectivity with the service providers.

Supports extensive range of Retail POS hardware and connectivity.

Database structure classified into Vendors, Retailers, Products & Denominations.

Payworld as Technical Solutions

Payworld as Technical Solutions Contd..

Supports direct top-up of prepaid accounts & electronic voucher distribution – EVD.

Payworld software is compatible to various points of sales such as EFTPOS, PC & Mobile or on Web.

Type of operations: Online sales, Bulk Pin purchase, MIS & many more

Reports: Stock reports, Retailer balance details, Daily sales, Print last sale etc…

Indefinitely Scalable

Centralized control & real time information.

Technology @ Payworld

Network overview

Application overview

Access Terminals

Redundancy arrangements

Security / Integrity

Process flow E-pin / E-recharge

Collection workflow

Cash Card

ContentsContents

Network OverviewNetwork Overview

Disaster Recovery CenterActive Data Center

Level3 compliant super redundant facility

Server ClusterSecurity/Firewall/VPNServer

Cluster

Communications Layer

VSAT GPRS CDMA Inet Dial-up Cable WiFi

Point of Sale Terminals

Network ComponentsNetwork Components

Access Network

CDMA – We use CDMA-1X modems built in FWP/FWT to access nearby BTS. PPA used to optimize signal strength.

GPRS – We use Class 2, Class 10 and EDGE Modems as per the supported networks of multiple operators.

Broadband – We use ADSL, xDSL modem with integrated router.

VSAT – We use SCPC / TDMA based VSATs from Gilat.

Transport Network

Multiple MPLS VPN Networks and bridging across multiple service providers used for redundancy.

Network termination using STM-1 Mux on fiber ring. Routers and Switches are in redundant and manageable

configuration.

Network Components Contd..Network Components Contd..

Core Network

Layer 3 Switching in redundant configuration. Multi-Path backbone router termination. SAN with dark fiber connectivity for synchronous

replication. World class collocation with ample bandwidth.

NMS

All critical components of the network are SNMP compliant.

Use a combination of HPOV and EGV. Managed services from Services Providers backed by in-

house NOCs. Automatic Notification & Escalation.

Application OverviewApplication Overview

POS Terminals Regional/Zonal/ Head Offices

Retail Application

Monitoring & Management

RDBMS

(MySql)

Web Components

DeviceMiddleware

LAMP Stack Architecture – Linux, Apache, MySql, PHP

Storage, Back-up & Redundancy ArrangementsStorage, Back-up & Redundancy Arrangements

Three site redundancy – Primary, Near DR, Far DR to meet Recovery time and recovery point objectives.

HP DL580 G3/G4 servers: Quad Dual Core Xeons, 8-16GB RAM, RAID, RPS.

12 Production and 4 support servers X 2 sites.

Storage HP EVA 8000.

Array-to-Array Synchronous replication between Primary and Near DR over dedicated dark fiber.

Application based Asynchronous replication between Primary and far DR sites.

LAN free automated back-up on media library, 30 levels deep.

SNMP based monitoring & management (HP OV, eGurkha)

Security / Integrity

The ICT set-up of SDLA has robust security provisions as per the latest and state of the art technology. The focus on IT security of SDLA encompasses the following areas:

Access Level Security

Network Level Security

Access Network

Transport Network

Core (Backbone) Network

Authentication and Authorization

Application Level Security

Operational Practices involving IT Security

Security / IntegritySecurity / Integrity

Access Level Vulnerabilities Measure examples:

Application restrictions

Hardware Identity validation (Processor, HDD etc)

Modem Identity (MIN validation using MSID/IMEI)

VPN/IPSec client

User Authorization

Terminal Authorization

Radius AAA ServicesRadius AAA Services

Our Carrier Class FirewallOur Carrier Class Firewall

NetScreen from Juniper Networks

General Features

DHCP support, DoS attack prevention, Firewall protection, NAT support, PAT support, VLAN support, VPN

End-Point Security features

Complete, secure access to Server resources, ensuring that the endpoint device, data in transit, and internal resources are secure.

Seamless integration with broad range of authentication methods and protocols.

Juniper’s Endpoint Defense Initiative includes native functionality and client-and server-side APIs for effective enforcement and unified administration of best-of-breed endpoint security.

Thank You