Digital mPayments System with UnifyID

m-SmartCard
Connectivity
Mobile e-transactions
Multi Financial Services
e-Financial...
Federated Electronic e-Payment System

 Debit Card
 Insurance Card
 Health Card
 Loan Card

Travel Insurance Card
In...
Minimalistic e-Banking for all and sundry
Govt.
Allowance

Exporters

Govt. Loan

Taxation

Insurance
Company

Bank

Unify...
Minimalistic e-Banking for all and sundry

•

SmartCard cum Biometrics Based Devices

•

Support for multi Fingerprint Aut...
Multiservice e-Payment facility using Single National ID
Utility ID

Student ID
Health Ins.
ID

TAX ID

Driving
License

R...
Multiservice e-Payment facility using Single National ID

•

Mobile Terminals to transact for Multiple Services

•

Two Fa...
Mobile Enabled Pan National Financial Services for Citizens
National Tax
Board

WASA

Life Insurance
Company

GOVT. Org

N...
Financial Inclusion System for Financially Challenged Citizen
Top UP
A/C’s

MFI’s

Banks

POS
Banking

Agri Mall

F I’s & ...
Financial Inclusion System for Financially Challenged Citizen

•

Cash Deposits & Cash Withdrawals

•

Balance Enquiry & M...
Multimodal e-Billing & e-Taxation Services Platform for
Government

Merchant’s Bank

Mobile enabled e-payment Platform

Cu...
Multimodal e-Billing & e-Taxation Services Platform for
Government

•

Balance Enquiry & Mini Statement

•

Cash Deposits ...
Social & Agricultural Services Enhancement Using UnifyID e-pay Platform
Agri production Management

Rural Services Managem...
Social & Agricultural Services Enhancement Using UnifyID e-pay
Platform
• n-tier architecture for multilateral connectivit...
Global Remittance & AML Informatics
A bank in
U.K

Federal Bank
of U.K

Federal Bank
of UAE

A bank in
UAE

U.K Core
EFT

...
Global Remittance & AML Informatics

• Reduction in the cost of transactions

• Familiarity in dealing with their own pers...
Enhanced Financial Agility for Micro Finance Institutions Using
UnifyID e-Pay Platform
Enhanced Financial Agility for Micro Finance Institutions Using
UnifyID e-Pay Platform
•
•
•
•
•
•
•
•
•

Cash Flow
Portfo...
Enhanced Life & General Insurance Services Accentuation for
Citizens/ Institutions

Mobile enabled e-payment Platform

EFT...
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UnifyID epayment system

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UnifyID epayment system

  1. 1. Digital mPayments System with UnifyID m-SmartCard Connectivity Mobile e-transactions Multi Financial Services e-Financial Data Intelligence Digital Rural Micro Banking
  2. 2. Federated Electronic e-Payment System  Debit Card  Insurance Card  Health Card  Loan Card Travel Insurance Card Inland Waterways Card Road Transport Reg. Card Financial Institutions UnifyID Individual Services SMART CARD  Mobile Top-up Card  Employ ID Card  Student ID Card  NGO Membership Card e-pay Transportation 1025 2589 6525 7854 Government Remittance  Domestic Remittance  International Remittance  Allowance  VAT & TAX e- Salary
  3. 3. Minimalistic e-Banking for all and sundry Govt. Allowance Exporters Govt. Loan Taxation Insurance Company Bank UnifyID SMART CARD Mobile enabled e-payment Platform e-pay EFT 1025 2589 6525 7854 Electricity Bank Gas IPG Mobile Interface Water Telephone Utility Loan Repayment Insurance Premium Local/International Remittance
  4. 4. Minimalistic e-Banking for all and sundry • SmartCard cum Biometrics Based Devices • Support for multi Fingerprint Authentication • Mobile interface and easy to carry POS terminals • Redundant Power Sources for continuous operation • Support for multiple Communication & Delivery Channels • Interactive Voice Guidance for transactions in Local Language • Device can store optimal data for Online & Offline transaction modes • Ability to support multiple products and services with Receipt printing • Scalable and enhanceable to accommodate Dynamic & Emerging services
  5. 5. Multiservice e-Payment facility using Single National ID Utility ID Student ID Health Ins. ID TAX ID Driving License Ration ID Birth Reg. ID SMART CARD Insurance ID Bank ID Transport ID Allowance/ Pension ID UnifyID e-pay National ID /Bio Metric Smart Card 1025 2589 6525 7854 Utility payments Agricultural Loans Social Welfare Funds Road Transport Payments Tax Payments Loan Payments MFI Installment Payments Insurance Premium Pay’nt Bank Bank Mobile enabled e-payment Platform Bank e-Payment Origination Banks EFT IPG Mobile Interface e-Payment Receiving Institutions Banks Bank Bank Bank National Tax Board WASA Life Insurance Company GOVT. Org Social Service Ministry National Road transport Authority R&H Agriculture Ministry Hospital National Electrical Utility National Telecom Company
  6. 6. Multiservice e-Payment facility using Single National ID • Mobile Terminals to transact for Multiple Services • Two Factor Authentication (SmartCard & Fingerprint) • Customer Per Day Limit for Withdrawals and Receipts • Numerous types of Transactions for Multilateral Services • Web Access to monitor the Card Balances and BC Balances • Total Transactions by the Business Correspondent for a Day • Forces On-line transactions when there is a balance mismatch
  7. 7. Mobile Enabled Pan National Financial Services for Citizens National Tax Board WASA Life Insurance Company GOVT. Org National Road transport Authority R&H Social Service Ministry Agriculture Ministry Hospital National Electrical Utility National Telecom Company Bank Bank mPayment Origination Banks Bank Bank Mobile enabled e-payment Platform EFT Tax Payment Loan Payment Ins. Premium Payment MFI Installment Payment IPG mPayment Receiving Institutions/Banks Bank Mobile Interface Utility payments Agricultural Loans Social Welfare Funds Road Tax/Lic. Payments Bank
  8. 8. Financial Inclusion System for Financially Challenged Citizen Top UP A/C’s MFI’s Banks POS Banking Agri Mall F I’s & P E Houses Mobile enabled e-payment Platform EFT SMART CARD IPG Mobile Interface UnifyID e-pay 1025 2589 6525 7854 Municipality Transportation Water Electricity Gas Public Utilities Rural Individual POS Micro banking Govt Salaries, Disbursements for Aged & widows Agri Inputs Providers Rural Shops & Merchants
  9. 9. Financial Inclusion System for Financially Challenged Citizen • Cash Deposits & Cash Withdrawals • Balance Enquiry & Mini Statement • Transfer of Funds between Own Account • Recurring Deposits & Agri Produce Payments • National Rural Employment Guarantee Payouts • Self Help Group Accounts (SB and Loan Accounts) • Loan Repayments & Loan Withdrawals in Running Accounts (GCC) • Social Security Pension Payments for Aged, Widowed & Pensioners
  10. 10. Multimodal e-Billing & e-Taxation Services Platform for Government Merchant’s Bank Mobile enabled e-payment Platform Customer’s Bank EFT IPG Government’s Treasury Bank Mobile Interface National Board of Taxes Mobile Notifications
  11. 11. Multimodal e-Billing & e-Taxation Services Platform for Government • Balance Enquiry & Mini Statement • Cash Deposits & Cash Withdrawals • Transfer of Funds between Own Accounts • Recurring Deposits & Agri Produce Payments • National Rural Employment Guarantee Payouts • Self Help Group Accounts (SB and Loan Accounts) • Loan Repayments & Loan Withdrawals in Running Accounts • Social Security Pension Payments for Aged, Widowed & Pensioners
  12. 12. Social & Agricultural Services Enhancement Using UnifyID e-pay Platform Agri production Management Rural Services Management Logistical & Labour Management Agri Inputs Management Farmer SMART CARD National Food Pool & Warehousing UnifyID e-pay 1025 2589 6525 7854 Mobile enabled e-payment Platform EFT Bank IPG Mobile Interface Bank Global Agrisupply Marketplace Agri preparation Management Microfinance Institutions Bank Consumer Market Supplies Anti-Poverty Aid & Global Donations
  13. 13. Social & Agricultural Services Enhancement Using UnifyID e-pay Platform • n-tier architecture for multilateral connectivity • Integration with financing and collection agency • e-payments with branchless banking POS & Mobile • Cashless services and reminders to rural consumers • 360 degree view of lender and end user finance flow • Search Data Warehouse to identify target customers
  14. 14. Global Remittance & AML Informatics A bank in U.K Federal Bank of U.K Federal Bank of UAE A bank in UAE U.K Core EFT A bank in Ghana UAE Core EFT Federal Bank of Ghana Ghana Core EFT Regulatory & Compliance Notifications Regulatory & Compliance Notifications Regulatory & Compliance Notifications Mobile enabled e-payment Platform Mobile enabled e-payment Platform Mobile enabled e-payment Platform EFT IPG Mobile Interface Cell Co. e-TopOut via e-debit from e-banking A/C, EFT Mobile Interface IPG EFT Cell Co. SMART CARD UnifyID e-pay MFI mediated Cash handover Cash handover to mobile Remitter Cash handover At Bank Branch e-payment notifications via “iCallout IVR” or “SMS” Money Infusion Mobile Interface Cell Co. 1025 2589 6525 7854 Mobile SMS e-pay Instruction for Remittance IPG Rural branchless Quasi e-banking point Money Delivery
  15. 15. Global Remittance & AML Informatics • Reduction in the cost of transactions • Familiarity in dealing with their own person • Service provided at a doorstep/ village levels • Ability to handle large volumes with very less staff • Reduces the pressure on the counters at rural branches • Availability of Basic Banking Services throughout the day • Hassle free for the villagers as there are no challans / vouchers
  16. 16. Enhanced Financial Agility for Micro Finance Institutions Using UnifyID e-Pay Platform
  17. 17. Enhanced Financial Agility for Micro Finance Institutions Using UnifyID e-Pay Platform • • • • • • • • • Cash Flow Portfolio at risk Loans disbursed Repayment Rate Installments due Loans in pipeline Loan performance Groups meeting today Personal Appointments and Reminders • • • • • • • • CGAP Ratios Donor Details Graphs & Charts Financial Analysis Performance Analysis New groups or Customers Accounts Opened / Closed Mapping overlay for Decision Making
  18. 18. Enhanced Life & General Insurance Services Accentuation for Citizens/ Institutions Mobile enabled e-payment Platform EFT IPG Mobile Interface Insurance Company’s Bank Customer’s Bank SMART CARD UnifyID e-pay 1025 2589 6525 7854 Mobile Notifications

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