Payment system platform based on e-money (E-money Payment System). For end-users the instruments for paying for goods and services (restaurants, cinemas, shopping malls, online shopping, tickets, etc.) and also for instant p2p money transfers. For retailers: efficient and easy-to-integrate tool for accepting online & offline and also mobile (iOS, Android) payments. Products/services/technologies: - e-money processing, - e-wallet for end users and for merchants, - p2p transfers, - pre-paid card (based on MasterCard, Visa) as an access tool for e-wallet, - mobile wallet for smartphones, - for mobile operators – combination of user account and e-wallet. www.m-processing.com/index-en.html# www.mwallet.pro www.finovatestudio.com

1. 2015
Product Description
Payment System

2. Content
• About the Product. Basic options
• Architecture and functionality
• Interfaces
• Administration, hardware

3. About the Product
PAYMENT SYSTEM
universal payment instrument
• …Enabling customers to pay for goods and services at
restaurants, movies, shopping centers, to shop online, to
pay bills and to send & receive money transfers
• …Providing retailers with efficient and easy-to-integrate
tool for accepting online, offline and NFC payments

4. Functions for end-users
Functions for end-users
- E-wallet balance & transaction
history
- Refill & funds withdrawal (see pp
7-10)
- Mobile refill
- Payments for TV/Internet
- Utility payments
- Online payments for goods &
services
- Taxi fares
- Insurance payments
- Other services (transportation,
loans, charity etc.)
- Tuition fee payments
- Entertainment - tickets, games,
paid content
- Social media payments
- Integration with prepaid cards,
card payments
- QR code payments
- NFC payments
- Instant P2P transfers (e-wallet to
e-wallet, card-to-card)

5. Functions for businesses
Functions for businesses
- Full automation of payment
acceptance
- Instant money transfer to
merchant’s e-wallet
- Payments history
- Invoicing
- Generating vouchers
- Fees management
- SMS notifications
- Managing NFC-stickers
orderings
- Ordering cards
- B2C payments
- Holding funds
- API integration

6. Basic scheme
PAYMENT
SYSTEM
1. Buying e-money
from issuing bank
or agent 4. E-money
withdrawal
3. E-wallet usage
2. E-wallet
replenishment
END-USER
3.1. Online, offline & NFC
payments for goods and
services
3.2. Р2Р transfers

7. E-wallet replenishment
2. Tools for e-wallet replenishment
Cash Cashless
Kiosks ATMs POS-terminals
Bank’s cash units
Visa, Mastercard E-money
Bank transfers Prepaid cards

8. Payments for goods and services
3.1. Payments for goods, services, gift certificates
Utilities Retail
stores
Cinemas Fuel
stations
Mobile
operators
Online stores
TV Internet-
providers
Loans
repayment
Gifts Gift certificates

9. P2P transfers
3.2. Transfers
Customer 1 Customer 2
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
E-money

10. E-money withdrawal
4. E-money withdrawal (exchange for real money)
Customer Issuer
PAYMENT
SYSTEM
Operator
Data
exchange
Data
exchange
Tools for funds withdrawal
Real money
E-money

11. Content
• About the Product. Basic options
• Architecture and functionality
• Interfaces
• Administration, hardware

12. Architecture
MONEY IN THE CLOUD
Payment Gateway
Modules
Clientoptions
SystemApplication
PrePaid Credit Card
Bank
account
Loyalty E-wallet Payment/
Top up
OTP …
Web
browser
NFC
iOS,
Android
PoS
SMS/USSD

13. System functional options
✓ E-wallet
✓ Alternative payments
✓ Card payments
✓ P2P transfers
✓ Integration with pre-paid cards
✓ No registration required
✓ Fraud protection
✓ Low-cost transactions
✓ Instant transactions
✓ Offline payments (including
QR code payments)
✓ Simple integration
✓ API (deposit, withdrawal, transfer,
receipt of payments, balance display,
transactions history, vouchers
generation)
✓ Billing system
✓ Instant transaction alerts
✓ Irrevocable payments
✓ Multi-currency (supports any number
of projects with different currencies.)
✓ Multi-lingual support (“Create a new
language” panel)

14. Security
❑ Secure channels with SSL certification, pre-encrypted data transfer
❑ SMS Verification based on one-time passwords (OTP):
❑ User enters his mobile number at the time of registration. Every login and
transaction has to be confirmed via temporal one-time passwords sent by
SMS.
❑ You can collect user mobile phone at the time of registration for your
services/account and use it for log on access.
❑ User can have simple log-in procedure just by entering his/her mobile
number and confirming OTP password sent by SMS!
❑ No need to remember password or login information.
❑ You can also use it as a back up solution for your customers in the case
pass-word or login is lost.

15. Content
• About the Product. Basic options
• Architecture and functionality
• Interfaces
• Administration, hardware

16. Interfaces & gateways
User interfaces
Individual
user’s
personal
account
Merchant’s
account
Administrator
’s account
Manager’s
account
Agent’s
account
Operator’s
account
API (deposit, withdrawal,
transfer, receipt of payments,
balance display, transactions
history, vouchers generation)
Communication interface
(import-export) for automated
banking system.
Interface for working with
contactless pos-terminals
Integration
with SMS-
gateways
Services payment gateway
(utility payments, topping up
mobile phones etc.)
User mobile apps
Universal payment module for the connection
of external systems of funds input and
withdrawal.
iOS mobile app (iPhone,
iPad)
Android
mobile app

17. Client’s personal account (1/2)
1. Client’s personal account, transaction history
Transaction History (EUR)

18. Client’s personal account (2/2)
2. Sending money to e-wallet

19. Android/iOS mobile app (1/2)
Info MenuTransactions HistoryMain Menu

20. Android/iOS mobile app (2/2)
Money Transfer P2P Transactions QR operations

21. Merchant integration
Merchant integration options
Simple integration based on XML API
(programming interface that allows you to
automate the processes of authorization,
sending payments, getting the balance of the
accounts, or a history of operations
performed)
Simple
integration (html-
code)
Complete
integration
(merchant gateway)
API
integration
Extended
integration
Module
integration
Sample request & server
response

22. Content
• About the Product. Basic options
• Architecture and functionality
• Interfaces
• Administration, hardware

23. Administration
• Full administration of the system without any
programming knowledge.

24. Hardware Requirements
• For the smooth operation of the payment
system three servers are needed with the
following minimal configuration:
✓ Processor - Intel 3.0 GHz or more
✓ RAM - 2 x 8 GB DDR3 1600 MHz ECC
✓ Hard drive - 2 x 500 GB
✓ Web-server - Apache
✓ PHP, MySQL

25. Professional team with over 12 years of experience in development of innovative fin-tech products. We were
the 1st in the global market to launch electronic money, payment systems aggregator and the system of
mobile payments from the account of the mobile operator, the 1st who introduced payment self-service
terminals in Ukrainian market, the 1st in the CIS market to launch contactless payments and many other
innovative products and solutions.
1. Rupay (www.rupay.com, Info@rupay.com ) system of electronic money - sold to the Russian holding RBC, renamed
to RBKmoney, is successfully operating in the Russian market (www.rbkmoney.com, a.morozov@rbkmoney.com )
2. Autopay (Www.autopay.com.ua) payment terminals network - Ukraine's first network of self-service terminals. The
company developed server software, terminal software, connected over 200 service providers; the network was sold to
an international company.
3. Interkassa (Www.interkassa.com, Denis@interkassa.com ) aggregator of Internet payments - the first and largest
aggregator of payment systems, the system was sold to a Ukrainian company.
4. Monexy (Www.monexy.ua, Yuriy@monexy.ua ) e-money payment system - a system of online and offline payments in
Ukraine, that obtained the first license from the National Bank of Ukraine to issue electronic money, is the leader in
electronic money systems, working in partnership with one of the most innovative banks in Ukraine.
5. e-groshi (Www.e-groshi.ua, r.dymchuk@e-groshi.ua ) coalition loyalty system is a reward system, based on
electronic money Monexy. Currently it’s establishing contract relations with the major retailers. Within the existing
contracts, over 1.2 million loyalty cards have been issued. These cards will unite all the participating merchants in one
integrated loyalty system.
Our Projects

26. Contacts
THANK YOU FOR YOUR ATTENTION
For more information,
please contact
Our support offices:
UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv
ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901
CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031
CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021
Mikhail Miroshnichenko
Kiev, Ukraine
Email: mikhail@finovatestudio.com
+380.68.331.95.03
http://ua.linkedin.com/in/michaelmir/
Yuriy Chayka
Kiev, Ukraine
Email: yuriy@finovatestudio.com
+38.067.621.57.13
https://ua.linkedin.com/in/yuriychayka