Date post: | 15-Apr-2017 |
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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 OverviewPage 4-13
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 7
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn8
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 9
Sync/Async
Hosting System
Total capacity Backup DR Site HN-HCM
Device
150TB
EMC VNX7600 LocalLocal/Remote
Snapshot
Snapshot
Store: 120+ TBIOPS > 100.000
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn10
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 11
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.
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn12
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 13
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 15
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn16
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 17
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 and Online Payment Gateway https://pay.vtc.vn18
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 E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 19
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn20
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 21
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn22
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 23
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 E-Wallet and Online Payment Gateway https://pay.vtc.vn24
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 25
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn26
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
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 27
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn28
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
VTC Pay E-Wallet and Online Payment Gateway https://pay.vtc.vn30
Cooperation goal: Win - Win
Financial transparent
Maximum technical support
24/7 Customer Care
Lowest risk rate
3.1 Cooperation Commitment
VTC Pay E-Wallet and Online Payment Gatewayhttps://pay.vtc.vn 31
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