KLIA Ekspres, Malaysia's high speed rail link between Kuala Lumpur and Kuala Lumpur International Airport, implemented a contactless payment system using GHL Systems' technology to allow passengers to tap and pay for their journey using contactless credit cards. The system uses contactless card readers and payment terminals integrated with the boarding gate controls to enable passengers to tap their cards and board the train without needing to queue at ticketing counters. This increased efficiency and provided a more convenient experience for commuters.

1. Success Stories
TRANSPORTATION SERIES
PAYMENT SOLUTIONS, REDEFINED

2. Contents
03 Online Payment Gateway
• AirAsia , MALAYSIA
04 Contactless & Mobile Transactions
• Howa International, THAILAND
05 Contactless Payments for High
Speed Rail Link
• KLIA Ekspres, MALAYSIA
06 Mobile Registration via GPRS Terminals
• Road Accident Victioms Protection Ltd, THAILAND
07 High Speed Payments over High Seas
• Star Cruises, ASIA PACIFIC
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. "As AirAsia was expanding very aggressively throughout Asia
Pacific since inception, I needed a payment system that can
Online Payment provide the company with a solution that is cost-effective,
robust, stable, flexible and expandable, connecting into many
Gateway banks and currencies.
AIRLINE TRAVEL, MALAYSIA 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."
About AirAsia Mr. Lau Kin Choy,
The leading low fare airline in the Asia - AirAsia’s Regional Head of IT & E-commerce
AirAsia has been expanding rapidly since
2001, to become an award winning and
the largest low cost carrier in Asia.
With a fleet of 72 aircrafts, AirAsia flies gateway to replace the traditional AirAsia is confident that this figure will grow
to over 61 domestic and international methods of flight bookings. with more people enjoying and realizing
destinations with 108 routes, and operates the convenience of online booking.
For the ticketless concept to become a
over 400 flights daily from hubs located in reality, the solution has to be efficient, To date, AirAsia.com attracts 20 million
Malaysia, Thailand and Indonesia. To date, secure and always-on in order to create unique visitors per month.
AirAsia has flown over 55 million guests savings which are then passed on to
across the region and continues to spread guests.
its wings to create more extensive route Key Benefits
network through its associate companies, To fulfill AirAsia's requirements, the online
• Secure and immediate online
Thai AirAsia and Indonesia AirAsia. payment gateway is built on GHL Systems’
bookings and verification.
award-winning e-payment processing
AirAsia believes in the no-frills, hassle-free, gateway known as NetTransact*. Its open • Speedy, ticketless and borderless
low fare business concept and feels that integration and application platform bookings across multiple currencies
keeping costs low requires high efficiency enables new payments technology and and locations.
in every part of the business. applications to grow in step with the
• Integrated payment channels across
business objectives of a wide range of
rregions in one website
e-businesses.
Website Secure and speedy online
The award-winning NetTransact is able transactions via AirAsia.com
www.airasia.com to accept and process transactions from
multiple channels such as the Internet,
Key Challenges traditional POS systems, IVR, SMS
gateways, ATMs, mobile kiosks, as well
• Create a high speed and low-cost as various payment modes from credit
regional payment gateway system or debit cards, EFT, cash and E-Purse
that connects to multiple banks and applications.
can accept multiple currencies
In addition to that, the solution connects
• Highly dependable, secure and multiple banks and currencies across
flexible solution that integrates AirAsia's sister sites in Asia Pacific, making
and processes multiple payment online transactions possible at any time
methods online for flight seats and and place.
ancillary travel products
The introduction of AirAsia's online sales
facility has seen an amazing growth in
Ticketless Concept the airline's internet sales with over 40%
Synonymous with its philosophy on of its total sales generated through the
no-frills, hassle-free, low fare business internet alone in 2003 compared to only
concept, AirAsia turned to GHL Systems 25% when the online sales facility was first
to design and build an online payment introduced 2002.
*NetTransact- Winner for Best of Financial Applications
MSC MALAYSIA ASIA PACIFIC ICT AWARDS 2008
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4. Contactless &
Mobile Transactions
LIMOUSINE & TAXI SERVICE, THAILAND
About HOWA Int Co. Ltd Cheap and plentiful, commuters are spoilt
for choice.
Howa International becomes the first taxi
and limousine company in Thailand to Determined to provide innovative
offer credit card payment facility via GPRS/ and differentiated services, Howa
GSM portable terminals & contactless card International, a major Bangkok cab and
GHL Thailand readers. limousine company is trailblazing the
way commuters pay - with GHL Systems
successfully as its chosen technology partner. Howa
integrates GPRS Key Challenges is among the first taxi companies in the
terminals and • Implement a high speed,
Asia Pacific region to introduce mobile
contactless readers always-on and portable terminals contactless payments via GPRS/GSM.
into a major and contactless card reader to 100
taxis for pilot phase
Bangkok cab and Speedy, Successful Deployment at
• Integrate the portable credit
limousine company. payment facility with acquiring bank
Minimal Cost
The requirement for the solution included
• Minimize hardware redundancy,
costs and transaction time. implementing extremely cost effective
contactless solution while utilizing, high-
speed, always-on connectivity via mobile
Cashless Payments on the Go or wireless terminals. The transaction
would then be routed via GPRS to
Welcome to Bangkok! Thailand’s swelling the payment host and network at the
capital of over 9 million people teeming acquiring bank’s premises, Kasikorn Bank
with culture, traffic and 60,000 colourful (KBank).
taxis. Amidst the city’s busy traffic, dozens
of different taxi companies in multi-hues The pilot deployment rolled out in
line the busy city soi (streets) vying for February 2009, encompassing over
passengers. 100 taxis in the city. With mobile
contactless credit facilities, commuters in
Bangkok can now enjoy secure, speedy
transactions and the convenience of
cashless payments on the go.
HOWA Taxis on the road with
deployed terminals
Implementation Highlights
• Same-source implementation and
consulting services
• Rapid deployment with no disruption
to business
• Energy efficient terminals and
readers rely on the power supply
from the vehicles itself
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5. Contactless Payments
for High Speed Rail Link
RAILWAY SYSTEM, MALAYSIA
About KLIA EKSPRES For busy travellers and commuters where Implementation Highlights
every minute counts for timely check-ins,
KLIA Ekspres is a premium non-stop • Streamlining of infrastructure
this system will enable the user to pay
high-speed train service that connects
for his or her train fare with just a tap of • Rapid deployment with no disruption
KLIA (Kuala Lumpur International Airport)
VISA's PayWave contactless card and head
and the Kuala Lumpur city centre. • No changes needed to existing host,
straight to the boarding platform without
full integration of new functionality
Cruising at a top speed of 160 km/h, the the hassle of long queues at the ticketing
into existing networks
journey takes about 28 minutes. Backed counters.
by Siemens technology, KLIA Ekspres
promises to be fast, reliable, safe; and
Key Benefits
comfortable. How it works
• Speedy and secure contactless
KLIA Ekspres operating at 15-minutes GHL Systems' VersaRead VR-300
transactions
intervals during peak hours and 20 Contactless Card Reader, Verifone
minutes during off-peak. It is Malaysia's Omni3750 terminal and the gate • Queue-free transactions, increased
fastest railway system with a 99.8% controller board are all integrated into the efficiency at ticketing counters.
on-time service performance. boarding gates. Based on the premise of a
fixed priced fare, the display screen at the
gate will request cardholders to perform a
Website sale for a single trip fare.
www..kliaekspres.com When the cardholder taps a card onto the
reader embedded at the gate, the reader
processes the card and transmits the data
Key Challenges
to the terminal. Transaction data is then
• Create a high speed and user-friendly transmitted to the gate controller.
contactless solution capable of
Data will then be routed to the back office
handling high traffic of commuters
host where required information will be
• Solution to include the control recorded by KLIA Ekspres. Once the back Just tap and board
of automatic gate activated by office host receives the data,and upon
successful contactless transactions successful storage of data - 'open gate'
for a hassle free
message will be sent to the gate controller experience on KLIA
to allow access for the passenger.
Just Tap & Board
A settlement will then be conducted at a
Ekspres' high speed
To complement the convenience it sets
out to provide, KLIA Ekspres appointed
pre-determined time everyday. rail services.
GHL Systems to create an automated
system that would enable the gates at
the arrival and departure halls to accept
contactless payments.
KLIA Ekspress
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6. Mobile Registration
via GPRS Terminals
VEHICLE INSURANCE, THAILAND
About Policy Vendor Registration Register, Pay & Print Implementation Highlights
In Thailand, Road Accident Victims Technology replaces traditional methods • GPRS technology was utilized to
Protection Ltd (RVP) was set up to when GHL Thailand partnered with RVP extend the functionality of the
facilitate payments to road accident to deploy the Policy Vendor Registration system
victims and is owned collectively by 62 (PVR) system in 2007. Policy vendor
• Rapid deployment with no disruption
non-life insurance companies in Thailand. registeration terminals are used by RVP
to link different insurers to manage • Full integration of new functionality
Until recently, car owners registered
data regarding insurance claims. KBank into existing networks &
their cars the traditional way of filling
will link with the RVP network to offer infrastructure-
up a paper form and relying on their
cash management services to facilitate
agents to submit the application to • Over 1500 terminals deployed
payments between the company and its
RVP’s database. The problem with this
customers.
method: unscrupulous agents will issue
‘delayed’ submission of valid applications In its double edged solution, GHL Key Benefits
to avoid a cut off their premiums to RVP. Thailand deployed the terminals (portable
• Secure and immediate vehicle
Consequently when accidents do happen, and countertops) to over 1500 insurance
insurance registration cum payment
the applicant’s information is not found agents and created a customized
via a common terminal
registered in the database, hence no application whereby car owners are
claims could be paid out to bona fide able to key in their information via the • Immediate printing and verification
victims. terminals (in real-time Thai characters) , of vehicle registration slips for vehicle
pay up and print the registration slips on
specialized paper.
Website
The transaction and information is then
www.rvp.co.th routed to RVP network which has a host
at its acquiring bank-KBank. Applicants
are assured that their policy is verified and
Key Challenges
registered in the RVP’s database while
• Create a high speed and user-friendly insurance companies are assured of their Register, pay and print
application for vehicle insurance rightful fees from the agents.
registration via payment terminals
The successful deployment proves
as you go for your
• Application to enable terminals that once again, GHL’s technology next car insurance
to display and print real-time Thai goes beyond payments - enabling and
characters on registration slip redefining the transaction methods of via the PVR - Policy
• Deploy the commissioned terminals
information. Vendor Registration.
to over a thousand insurance agents
Register , pay and print
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7. High Speed Payments
over High Seas
SEA TRAVEL, ASIA PACIFIC
About Star Cruises • Create a high speed IP payments system on board Star
Cruises’ fleet of ships
Star Cruises, together with its jointly controlled entity, Norwegian
Cruise Line (NCL), is the third largest cruise operator in the • Streamline transaction and communication channels to
world with a combined fleet of 16 ships cruising to over 200 reduce transaction costs
destinations in the world, offering close to 30,000 lower berths
while NCL is presently building a new third generation Freestyle
Cruising project known as F3, for delivery in 2010 Floating City
Star Cruises, the leading cruise line in Asia-Pacific, operates Since its inception in 1993, Star Cruises has achieved global
5 vessels which include SuperStar Virgo, SuperStar Aquarius, recognition, being the leading cruise line in Asia-Pacific and
SuperStar Libra, Star Pisces and MegaStar Aries, offering various one of the three largest in the world.
cruise itineraries in the Asia Pacific region.
Over the last decade, Star Cruises has played a leading role in
shaping the regional cruise industry by offering new class-leading
luxury megaships and exciting itineraries. Along with its exciting
Website
itineraries and myriad of entertainment and dinning options,
www.starcruises.com Star Cruise turned to GHL System to upgrade their customer
experience with regards to its payment systems on board.
Prior to implementation, Star Cruises' system utilised legacy
Key Challenges
terminals on dialup. A successful proof-of-concept conducted
• To provide a secure and reliable communication payment from November 2009 to January of 2010 provided the vote of
infrastructure that is available even over the high seas confidence needed to convince the business that the L-350 was
indeed the dependable, faster (...turn to next page)
• Cost-effective, yet dependable with built-in fallback for
assured continuity
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8. High Speed Payments
over High Seas
SEA TRAVEL, ASIA PACIFIC
(...from previous page) at the same time. This ensures a secure, • Improved transactions speed
dependable, faster and highly affordable and reduced communication and
and cost effective solution they needed
communications solution for sensitive maintenance costs
to compliment their existing satellite
transactional data across a satellite
broadband connection. • Multiple backups on both land and
network.
sea networks
Affordable, Stable & Secure
Communication Channel
Automatic Fall-Back
In today’s payments world, the The Results
communication portion of the payment Since its inception, the automatic fall-back
The system has been successfully
system is often neglected. With dial-up feature has been built into the netAccess
integrated into the cruise ships' system
lines getting cheaper and more readily L-350. This feature proves its advantage
and multiple terminals are able to transact
available, most merchants will rely on this by providing a system architecture with
at any point of time. The stability of
channel of communications. However, multiple layers of fall back channels
the system is guaranteed by providing
on a floating city that roams around the varying from mobile communications
multiple layers of fall back channels.
world on high seas this option may not be (GPRS) to PSTN dial-up connections.
the cheapest or more reliable solution. Lastly, with the use of OpenVPN to create
The solution is able to utilize the
a secure channel between the ship-based
Cruise ships all around the world have satellite communication as its primary
L-350 routers and the shore-based L-350
a common problem which is the communication to a regional payment
routers, security and integrity of the
unavailability of a affordable, stable and processor. In the event of satellite
transactional messages are guaranteed.
secure communication channel for credit communication failure, the netAccess
card transactions. L-350s will switch automatically to
secondary PSTN dial-up communications
GHL Systems deployed its award-
directly to the host. Moreover, two
winning netAccess L-350 on board to
netAccess L-350 boxes are implemented
provide a secure, reliable and highly
on each site to ensure continuous
available payment infrastructure to cruise
availability for transaction to the back
operators.
host.
The L-350 was deployed using a
combination of encryption and host
routing via NII, concentrating all Key Benefits
transactions from one cruise ship into two
• Continuously available payment
L-350s providing backup for each other
infrastructure anywhere in the world
and communicating card transactions
securely to yet another two land-based • Remote monitoring of the system
netAccess L-350- all via IP. The netAccess
• IP transactions routed across
L-350 multi-threads also allow for up to
international waters based on card
30 simultaneous transactions to transact
type and currency
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9. Transaction routers
and concentrators
EMV networks
Smartcard
technologies
Consulting
Loyalty services
and online
payments
Contactless
payments
Payment Terminal line
gateways encryption
technologies
GHL Systems PAYMENT SOLUTIONS, REDEFINED. MEPS, PCI, SIRIM, SPVA and the Line
Encryption Working Group.
GHL Systems is the Asia Pacific’s leading
end-to-end payment services enabler By providing a broad range of payment
that deploys world-class payment solutions, GHL Systems today deploys
infrastructure, services and technology. its products and services to multiple
clients across various vertical segments
We are an MSC-status company listed on
worldwide not limited to banking
the Main Board of Bursa Malaysia (Kuala
and financial services institutions,
Lumpur Stock Exchange). Our complete
telecommunications, transportation,
portfolio of payment solutions include
retail and oil and gas.
transaction routers and concentrators,
terminal line encryption technologies, With offices in Bangkok, Beijing, Hanoi,
loyalty and online payment solutions, Ho Chi Minh, Hong Kong, Kuala Lumpur,
smartcard technologies, secure EDC and Manila, Singapore and Wuhan, and having
EMV networks and terminals to consulting had successful forays and establishing
services. multiple partnerships across the
Asia-Pacific, European, the Americas and
GHL Systems' payment solutions are
Middle Eastern regions - GHL Systems is
further recognized, accredited and
well-positioned to meet the demands of a
certified by organizations and governing
global economy.
bodies such as Visa, MasterCard, JCB,
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10. 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.
Unit L8 C-G-15, Block C, Jalan Dataran SD1, Dataran SD PJU 9, Bandar Sri Damansara, 52200 Kuala Lumpur, Malaysia
T +603 6286 3388 F +603 6280 2999 E int.sales@ghl.com
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