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NetAccess L-Series Payment Routers, Network transaction concentrator plug-and-play routing devices with protocol conversion and allow multiple payment devices or EDC terminals to be interconnected, and then simultaneously routing transactions quickly to m
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NetAccess L-Series Payment Routers, Network transaction concentrator plug-and-play routing devices with protocol conversion and allow multiple payment devices or EDC terminals to be interconnected, and then simultaneously routing transactions quickly to m

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GHL Systems’ family of award-winning netAccess enterprise payment network devices are essentially simple, plug-and-play routing devices that provide protocol conversion and allow multiple payment …

GHL Systems’ family of award-winning netAccess enterprise payment network devices are essentially simple, plug-and-play routing devices that provide protocol conversion and allow multiple payment devices or EDC terminals to be interconnected, and then simultaneously routing transactions quickly to multiple destination hosts – without ever having to replace or redeploy EDC terminals.

The L & X-Series payment routers are merchant-level, LAN-optimized network transaction concentrators and routers that enable EDC terminals to be networked and to perform extremely cost-effective and efficient transaction routing from these LAN terminals to the acquiring parties.

Upgrade and transform their legacy payment networks from traditional RS232 EDC terminals to RS485 or TCP/IP – without having to re-deploy or change their existing infrastructure or network
Exploit more efficient or faster wireless communications (Wi-Fi, GPRS, EDGE or HSDPA) channels
Use other communications channels as secondary pr backup links (ADSL, PSTN-ODD)
Transform variable communication costs to fixed costs
Route transactions to multiple hosts accurately and securely

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  • The netAccess X10 is GHL’s extender series. It is mainly used to extend the number of comm ports as well as the life of legacy terminals Terminals of devices are able to connect to it via RS232 or RS485 and the X10 will convert it to for IP connection
  • NetAccess X-10 Payment Extender overcomes limitations of a single RS232 serial port prevalent in many existing POS terminals providing connections for: Electronic Cash Registers, POS Terminals & Contactless Readers • NetAccess X-10 Payment Extender converts RS232 connectivity into TCP/IP • NetAccess L-300 provides IntelligentFailover with multiple Uplink options & accepting up to 30 TCP/IP connections • Typical deployment: Multi-lane merchant deployment consisting of: — 3 Payment Devices (ECRs, POS Terminals & Readers) per counter — 1 NetAccess X-10 per counter — Single NetAccess L-300 per outlet • Advantages: Speedy deployment; enables use of existing terminal populations; multiple uplink options; low communications cost via single NetAccess L-300 (via GPRS)
  • The L 100 series is a small merchant payment router. It has all the functionality as a network extender but has the added GPRS uplink capability It is able to accept RS232 and RS485 connections and route it via the GPRS or the Ethernet port
  • NetAccess X-10 Payment Extender overcomes limitations of a single RS232 serial port prevalent in many existing POS terminals providing connections for: Electronic Cash Registers, POS Terminals & Contactless Readers • NetAccess X-10 Payment Extender converts RS232 connectivity into TCP/IP • NetAccess L-300 provides IntelligentFailover with multiple Uplink options & accepting up to 30 TCP/IP connections • Typical deployment: Multi-lane merchant deployment consisting of: — 3 Payment Devices (ECRs, POS Terminals & Readers) per counter — 1 NetAccess X-10 per counter — Single NetAccess L-300 per outlet • Advantages: Speedy deployment; enables use of existing terminal populations; multiple uplink options; low communications cost via single NetAccess L-300 (via GPRS)
  • The L 100 series is a small merchant payment router. It has all the functionality as a network extender but has the added GPRS uplink capability It is able to accept RS232 and RS485 connections and route it via the GPRS or the Ethernet port
  • The L300
  • NetAccess X-10 Payment Extender overcomes limitations of a single RS232 serial port prevalent in many existing POS terminals providing connections for: Electronic Cash Registers, POS Terminals & Contactless Readers • NetAccess X-10 Payment Extender converts RS232 connectivity into TCP/IP • NetAccess L-300 provides IntelligentFailover with multiple Uplink options & accepting up to 30 TCP/IP connections • Typical deployment: Multi-lane merchant deployment consisting of: — 3 Payment Devices (ECRs, POS Terminals & Readers) per counter — 1 NetAccess X-10 per counter — Single NetAccess L-300 per outlet • Advantages: Speedy deployment; enables use of existing terminal populations; multiple uplink options; low communications cost via single NetAccess L-300 (via GPRS)
  • NetAccess X-10 Payment Extender overcomes limitations of a single RS232 serial port prevalent in many existing POS terminals providing connections for: Electronic Cash Registers, POS Terminals & Contactless Readers • NetAccess X-10 Payment Extender converts RS232 connectivity into TCP/IP • NetAccess L-300 provides IntelligentFailover with multiple Uplink options & accepting up to 30 TCP/IP connections • Typical deployment: Multi-lane merchant deployment consisting of: — 3 Payment Devices (ECRs, POS Terminals & Readers) per counter — 1 NetAccess X-10 per counter — Single NetAccess L-300 per outlet • Advantages: Speedy deployment; enables use of existing terminal populations; multiple uplink options; low communications cost via single NetAccess L-300 (via GPRS)
  • NetAccess X-10 Payment Extender overcomes limitations of a single RS232 serial port prevalent in many existing POS terminals providing connections for: Electronic Cash Registers, POS Terminals & Contactless Readers • NetAccess X-10 Payment Extender converts RS232 connectivity into TCP/IP • NetAccess L-300 provides IntelligentFailover with multiple Uplink options & accepting up to 30 TCP/IP connections • Typical deployment: Multi-lane merchant deployment consisting of: — 3 Payment Devices (ECRs, POS Terminals & Readers) per counter — 1 NetAccess X-10 per counter — Single NetAccess L-300 per outlet • Advantages: Speedy deployment; enables use of existing terminal populations; multiple uplink options; low communications cost via single NetAccess L-300 (via GPRS)
  • This is an example of a small merchant layout Between 1 to 3 terminals are deployed per site IP terminals are inherently expansive and with the use of netAccess L100, up to 3 terminals can share a single L100 and the L100 will use its GPRS uplink connection to the host
  • For medium size merchants the netAccess X10 and the L300 can be deployed This once again allows merchants to upgrade their terminals to support high speed networking with limited cost involved With netAccess X10’s intelligent pattern matching routing, limited amount of re-development on the terminal side is involved Moreover with such a setup, merchants can easily expand its system up to maximum of 15 terminals if the PSTN backup is deployed. However bigger merchants can also deploy more then 2 or 3 L300 to increase the efficiency and reliability if the system With L300’s GPRS capability allows high speed wireless capability and reduce wiring cost
  • For large scale merchants requiring more then 30 terminal connections our netAccess L1000 box can be deployed It can support up to 100 incoming TCP/IP connections Its main uplink to the acquiring host can come in the form of Leased Line, ADSL or ISDN. It also has backup links such as PSTN, ISDN or TCP
  • What about Existing Terminals???
  • The Validator employs a VR300. The contactless reader facilitates electronic fee collection. The Validator uses L100 as communication device. The unit communicates with GPRS and/or Wi-Fi. Optional integration with GPS for bus location. New Zone Based Fare Structure http://www.rapidkl.com.my/news/1-latest-news/134-newfares
  • Cost & Performance: A Balance Will this make current solutions obsolete? Where does it fit in? Direct Forwarding – Garbage in/Garbage out Pattern Matching – pattern is defined by specific formats, ISO or any data
  • What about Existing Terminals???
  • The Validator employs a VR300. The contactless reader facilitates electronic fee collection. The Validator uses L100 as communication device. The unit communicates with GPRS and/or Wi-Fi. Optional integration with GPS for bus location. New Zone Based Fare Structure http://www.rapidkl.com.my/news/1-latest-news/134-newfares
  • Transcript

    • 1. March. 2010 NetAccess L-Series Seminar Cost Saving and Competitive Edge
    • 2. The award-winning NetAccess enterprise payment network equipment ensures dependable, steadfast, speedy yet affordable end-to-end connectivity for today’s financial institutions and merchants of all sizes. NetAccess development is driven by intelligent messaging & routing algorithm across industry-standard hardware, its strengths lie in its simplicity and flexibility to adapt, realizing quicker ROI compared to proprietary firmware or hardware based approaches. NetAccess: An Introduction
    • 3. Private and Confidential. Copyright of GHL Systems Berhad NetAccess Product Suite
    • 4. Private and Confidential. Copyright of GHL Systems Berhad Complete Payment Network Integration
    • 5. An Introduction to the NetAccess L-Series
    • 6. Small merchant Payment Extender Targeted small merchants with multiple devices with different payment processes NetAccess X-10 : At a Glance
      • Powered by 60MHz ARM7 processor
      • Configurable pattern matching routing
      • Interconnects devices on retail desktop
      • Enable EDC for RS485,TCP/IP network environment
      • Energy efficient design, can drawn power from EDC power supply
      • Facilitates Contactless Payment Device
      • Supports up to 4 payment devices
      X10
    • 7. X-10 Deployment Scenario
    • 8.
      • Configurable pattern matching routing
      • Route transaction based on card type
      • Intelligent routing of data between interconnected devices
      • Enable uplink to Host via GPRS or TCP/IP network
      • TCP/IP, RS485 downlinks
      • Multiple RS232 support
      • Multi-channel Auto-Fallback Engine for continuous availability of uplinks
      • Cost savings with GPRS wireless connectivity replacing fixed lines
      Small merchant Payment Router Targeted small merchants with 1-3 EFTPOS terminals & wireless connectivity NetAccess L-100 : At a Glance L100
    • 9. L-100 Deployment Scenario
    • 10.
      • Similar to L100 but more intelligence
      • Support up to 9 devices
      • Built in network redundancy Dual SIM Slots
      • RS232,RS485, TCP/IP support
      • Multi-channel Auto-Fallback Engine for continuous availability of uplinks
      • Cost savings with GPRS wireless connectivity replacing fixed lines
      • SSL Supported
      • PCI DSS-Ready
      • Web based configuration
      Highly Available Wireless Payment Router Dual SIMs, supports 9 terminal connections NetAccess L-200 : At a Glance L200
    • 11.
      • Facilitates the concentration of multiple downlink devices including legacy dial-up EDC terminals, fixed-line telephony, and data
      • Multi-channel Auto-Fallback Engine for continuous availability of uplinks
      • Built in network redundancy with dual SIM slots
      • Downlink EDC connections: RS232, RS485, TCP/IP
      • Uplink host-side connections: RS485,TCP/IP, GPRS
      • GPRS and HSDPA versions
      • HSDPA version allows voice and data concurently
      • Supports SSL and Id PCI-DSS ready
      • Web based Configuration.
      Small merchant Payment Router The NetAccess L-200 OPTIMUS is a breakthrough payment router designed with the ultimate aim of reducing costs for retailers. NetAccess L-200 Optimus: At a Glance L200 Optimus
    • 12.
      • Message filtering prevents non ISO8583 messages from reaching the bank host
      • Pipe encryption to the bank host (Open VPN & SSL)
      • Intelligent failover with up to 3 different communication channels (HSDPA, GPRS, ADSL, PSTN dialup – in any predefined order)
      • Wi-Fi connectivity
      • Supports EDGE and HSDPA 3G network
      • Dual SIM and Dual Ethernet supported
      • Suited for medium-sized to large-sized merchant environment and enables GPRS connection for up to 30 terminals using RS232, RS485 and TCP/IP protocols
      • Support both EDC and ATM applications
      • TCP/IP, PSTNV.22 fast connect
      • PCI DSS-ready
      • Configurable via Web
      Multi Lane Payment Router Versatile, multi-function & robust yet affordable payment router for connecting up to 30 EDC terminals in a LAN environment to payment hosts NetAccess L-350 : At a Glance L350
    • 13. Private and Confidential. Copyright of GHL Systems Berhad NetAccess L-series Product Offering
    • 14. NetAccess L-Series Product Offering Ideal for setting up MallNet, loyalty& payment network in shopping mall 30 to 120 RS232,RS485, TCP/IP Yes X.25, TCP/IP, ISDN L1000 Can support 30 RS-485 devices, and with 30units X-10, can support up to 90 terminals 30 (30-90) RS232,RS485, TCP/IP, WIFI Yes GPRS/EDGE, 3G/HSDPA, TCP/IP, PSTN L350 3G/HSDPA uplink and WIFI downlink are optional 15 RS232,RS485, TCP/IP Yes GPRS/EDGE, TCP/IP, PSTN L300 Retail payment communication includes voice, fax and payment in one box to save merchant money. 10 RS232,RS485, TCP/IP, PSTN ports Yes 2x GPRS, TCP/IP, GSM L200 Optimus 2 mobile SIM for auto failover from primary GPRS to secondary GPRS 10 RS232,RS485, TCP/IP Yes 2x GPRS, TCP/IP L200 Improve EMV transaction speed of terminal by 5 sec from PSTN speed 5 RS232,RS485, TCP/IP No GPRS, TCP/IP L100 Convert PSTN terminals to GPRS without software change 3 PSTN ports, TCP/IP No GPRS, TCP/IP L50 Convert PSTN terminal to multi-lane terminal 3 (4) RS-232, RS-485,TCP/IP No RS-485, TCP/IP X-10 Special Features Max No. of Terminal Downlink Uplink Failover? Uplink NetAccess Model
    • 15. Private and Confidential. Copyright of GHL Systems Berhad L-Series Other DEPLOYMENT SCENARIOS
    • 16. Multi-Lane Deployment
    • 17. Wireless Deployment L100
    • 18. Contactless Deployments L300 X10
    • 19.
      • Able to take transactions from 3-5 terminals via RS232 or TCP/IP.
      • Uplink to central node via Share RS485 LAN
      • Uplink to the bank gateway via GPRS
      • Uplink via TCP/IP connection
      Small Merchant Layout
    • 20.
      • Able to take transactions from 3-5 terminals via RS232 or TCP/IP
      • Uplink to central node via RS485 LAN
      • Uplink to the bank gateway via GPRS
      • Uplink via TCP/IP connection
      • Automatic backup route options
      Medium-Sized Merchant Layout
    • 21.
      • Up to 90 RS485 connections
      • 100 TCP/IP connections
      • ISDN on demand
      • Leased Line
      • PSTN
      Large Merchant Layout
    • 22. Existing Terminals: Extended Lives Ethernet Length: 1.2 km Length: 50 ft RS-232 RS-232 RS-485
    • 23. GHL’s Solution for Transit netAccess L-350 VersaRead VR-300 TCP/IP ADSL / 3G FSI’s Host or Transit Operator’s server
    • 24. How it all comes together
    • 25. GHL’s Solution for Bus
      • Bus Validator device is offline & contactless
        • All transaction batch and comms managed by NA L100
      • Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported
      • Driver can choose to open only front doors (so alighting passengers must pass the exit validator)
      Entrance Exit
    • 26. NetAccess: Key Advantages
    • 27. Private and Confidential. Copyright of GHL Systems Berhad L-series Benefits and Competitive Edges for Acquirers
    • 28. Low cost upgrading of Legacy Terminal to meet merchant’s new requirements Private and Confidential. Copyright of GHL Systems Berhad
      • Industry reliable workhorse
      • Sold mostly in 2002 to 2005
      • PSTN Dialup & two RS-232 ports
      • EMV Trx. Time 11-15sec
      • Merchant like the user interface
      • Issues:
      • New terminal Certification effort
      • High terminal purchase cost
      • How to redeploy old terminal?
      • Difficult inventory management
      • with more terminal type.
      • Merchant retraining on new
      • terminal.
      Purchase New Terminal O3750 Vx510/IP combo Vx610/GPRS New Protocols and Merchant’s Requirements Networking, RS-485 or IP Need more ports Desktop GPRS Faster Sales Transaction Speed O3750 O3750 Use Old Existing Terminal 3 * RS-232 RS-485/RS-232 IP GPRS L100 Benefits Cost <20%/(3 GPRS edc) 8 sec transaction time 3 * RS-232 RS-485 IP Benefits Cost <10%/edc Use Existing Cabling X-10
    • 29. Private and Confidential. Copyright of GHL Systems Berhad Lower Cost of Ownership Solution For Acquiring Multi-lane Merchants RS-232 RS-232 RS-485 Ethernet Length: 1.2km Length: 50 ft Leased-line or IP-VPN PSTN ADSL GPRS PRI SEC TER X Lower by 85% Communication Cost and with two redundancy Cost saving in using existing Cabling (RS-485 or IP) Using same (old) terminal for both dialup and network. No need upgrade or separate inventory
    • 30. Competitive Edge -Scenario 1- Chain 3edc/Outlet Private and Confidential. Copyright of GHL Systems Berhad Bank A Merchant A Bank B Existing Acquirer with MDR=1.7% using 3 dialup terminals 1. Proposal to acquire with MDR=1.6% using 3 dialup terminals A2. Request Bank A to reduce MDR to 1.6% or lower A3. Bank A approved request. B2. Director resolution to change bank B3. Opening Bank B account B4. Install Bank B terminals B5. Training of cashier to use new terminals. B6. Request Bank A to retrieve old terminals. Bank A Merchant A Bank B Existing Acquirer with MDR=1.7% using 3 dialup terminals 1. Proposal to acquire with MDR=1.7% using 3 GPRS network terminals A2. Request Bank A to provide new GPRS network terminals? A3. Bank A not ready with GPRS infra from GHL. B2. Director resolution to change bank B3. Opening Bank B account B4. Install Bank B terminals B5. Training of cashier to use new terminals. B6. Request Bank A to retrieve old terminals. Merchant’s Benefits: Save telephone charges of about RM100/month/outlet Faster transaction time of 8 sec, reduce queuing at cashier X X GPRS
    • 31. Competitive Edge -Scenario 2- 10 to 30 EDC terminals Multi-lane Private and Confidential. Copyright of GHL Systems Berhad Bank B Proposed Specifications Bank C IP-VPN Networking GHL’s L350 IP-VPN Primary Connection GPRS-1 and/or GPRS-2 ISDN Secondary Con. ADSL None Tertiary Connection PSTN New IP Cabling Cabling Existing RS-485 Higher Upfront Cost (CAPEX) Lower RM1,500/month Monthly Cost RM200/month Higher Transaction Cost Lower Higher MDR Lower Lost Sales Outcome Win
    • 32. Competitive Edge -Scenario 3 – Battle of Desktops Private and Confidential. Copyright of GHL Systems Berhad Bank X Bank Y Rental=RM45/mth Rental=RM87/mth (RM45+RM36+RM6) Bank X Proposal to Merchant Bank Y Dialup EDC Terminal EDC + L100 About RM100/month on RM100k/mth sales Telephone Call Charges FREE Lower Monthly Bank’s Cost Higher, <0.05% MDR 11 to 15 sec Transaction Time 8 sec Same Proposed MDR Same LOST Sales Outcome WIN
    • 33. Competitive Edge -Scenario 4 – Low-cost Multi-Lane with 4 to 10 terminals Private and Confidential. Copyright of GHL Systems Berhad Bank Z Merchant GPRS 1 GPRS 2 ADSL Pri-GPRS Sec-GPRS Ter - ADSL Bank’s Network Bank Bank Z Bank M Bank N Connection L200/2xGPRS IP-VPN PSTN dial-up TCO- upfront & operation Medium High Low MDR Medium Highest Lowest Sales Outcome Win vs Bank M – lower MDR Win vs Bank N – same MDR, faster and no communication cost for merchant Lost to Bank Z due to MDR Lost to Bank Z due to terminal speed and no communication cost RS-232 RS-232 RS-232 RS-232 X-10 X-10 X-10 L200
    • 34. GHL’s Solution for Bus
      • Bus Validator device is offline & contactless
        • All transaction batch and comms managed by NA L100
      • Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported
      • Driver can choose to open only front doors (so alighting passengers must pass the exit validator)
      Private and Confidential. Copyright of GHL Systems Berhad Entrance Exit
    • 35.
      • THANK YOU
      Alex Tan Vice President – International Sales GHL Systems Berhad [email_address] [email_address]

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