Nucleus is a modular multipurpose, PCI-certified platform enabling merchants to provide a personalized, rich experience for their customers with integrated CRM and Rewards solutions on both credit and gift cards. The platform is designed as SAAS (Software as a Service) enabling merchants to pick and choose specific features to suit their corporate strategy. This “Pay as you Grow” platform enables merchants to reduce operational costs and avoid huge upfront investments in payment solutions. The Nucleus platform is pre-integrated into a majority of POS devices, shopping carts and processors worldwide, making the deployment and integration extremely efficient. The platform also provides multicurrency, mobile payments, IVR Self Service Solutions, Virtual terminal and WebServices for third party integration as part of the platform providing several avenues to accept payments.

2. • Introduction
• Nucleus Overview
• Technology
• Deployment

3. Introduction:
iPayStation provides services and solutions related to electronic
transactions in Retail, Payment, Banking and Logistics.
iPayStation Services iPayStation Platforms
Application Services Information Management The iPayStation Network
Architecture Services Infrastructure Services iPayStation Nucleus
QA Services BPO Services iPayStation M-Commerce

4. • Nucleus is a one-stop PCI-DSS compliant solution
• Blend of technology and business proficiency to increase sales
• Processes wide variety of card types: credit, debit, gift, loyalty,
reward, prepaid, wireless, and more
• Authorizes and tracks card payments securely, within seconds

5. • Helps merchants drive CRM; staying on top of their business
• Provides customized reports; assists merchants in apt decisions
• Supports Real-time and Offline Loyalty programs
• Mobilizes merchant’s customer base
• Robust architecture for easy bolt-on applications as desired

6. T
STRATEGY & IT CONSULTING O
T
A
INTEGRATED SYSTEMS INTEGRATION L
ROADMAP
Business ENTERPRISE APPLICATION INTEGRATION VERTICAL PRESENCE
Process O
Host Based U
Reengineering Nucleus RELATED SERVICES
T Retail
App
NGift NCRM NCart NRetail S
Enterprise O QSR
POS Architecture CUSTOM APPLICATION DEVELOPMENT U
Definition R E-Commerce
Design Develop Test Deploy C
PCI SQA I
N Insurance & Healthcare
BUSINESS PROCESS MANAGEMENT G
Lodging
S
O Petro
Industry Specific Processes Cross-industry Processes
L
U
IT OUTSOURCING T
I
REENGINEERING AND MAINTENANCE O
N

8. • Loyalty:
• Rule Engine based Loyalty module
• Easy to configure and use
• Can be combined with marketing campaigns
• CRM: SMS, MMS & Email campaigns linked to payments
• Mobile: Consumer App, Store Locator, SKU information
• Real-time information may be accessed via web & mobile phone

9. • Analytics to help determine success of marketing campaigns
• Measurable results can help improve marketing campaigns
• Remove stores from PCI compliance equation
• Global connectivity across Processors providing seamless view
of transactions

10. • Coordinated Media Delivery:
• Mobile (SMS, MMS, mWidgets),
• Email
• POS (marketing ads on POS and receipts)
• Social Networking portals
• Moment of Decision:
• Influence decision making; gift-card, mobile, POS
• Relevant Data
• Informed actionable intelligence

11. • Seamless Integration Globally
• Consumer Reach – Selective and Targeted
• SaaS (Software as a Service) predicates fixed monthly costs
• Provides Alternative Payment Technology: NFC, Mobile,
Fingerprint

12. Delivery of targeted coupons/reward status to members
• Rewards may be based on:
• Card Type
• Frequency
• Peak / Non-peak
• Cumulative Spend
• Redemption may be in form of:
• Points
• $.$$
• Discounts
• Coupons
• SKU Items

13. Remote balance checking of loyalty status or gift card balance
• Mobile: SMS and Mobile Apps/Widgets
• Social Networking Portal: Popular or Branded Portal
• Web Portal: Client’s or provisioned to client
• Revenue Ads, special offers, and presentation opportunities

14. At POS
• Offer/reward linked to identifier (gift, credit / debit, loyalty)
• Every transaction checks against offer/reward
• Database updated real-time to avoid multiple redemptions
At Website (PC or Mobile)
Benefits
• No special coupons to track nor codes to enter at POS
• Instant reward to customer
• Higher customer satisfaction

15. • Targeted Point of Purchase Advertising
• Every transaction presents advertising impression
• Ads can be behavioral and demographically targeted
• Extend and enhance in-store campaigns with take-away

16. •Centralized management tool for POS messaging
• New Revenue Source
• Measurable sales impact
• Additional way of delivering Brand advertising

17. Nucleus addresses security and sensitive card holder
information through the entire payment transaction process
• Nucleus is PCI and PCI-DSS (PABP) certified globally
• Ensuring sensitive data is available only in cryptic form
• Network configuration and firewalls withstand all levels of
scanning and penetration (aggressive intrusion) tests

18. Sensitive card holder and authentication data:
• Encrypted and transmitted in a SSL 256 bit environment
Nucleus supports AVS (Address Verification Service)
• Helps reduce misuse of lost or stolen cards
• Nucleus Security Module configured for Velocity Check, POS
Authentication, Amount Checks, IP / Phone Checks
• Nucleus supports token based authentication for e-wallet
transactions

19. Process Credit & Debit Cards:
• Amex
• Chase Paymentech
• Global Payments
• Elavon
• Little and Co.
• Comdata
• Revolution Money
• ICICI
• FDMS

20. 1 2 3 4 5
HeartBeat Ticket Checkout Authorize Approve
Request Transaction
POS Manager Flow Manager Receipt
Idle Listener auto auto Manager auto auto Manager
state
Content Manger
Techniques Checks Screen Prompts Tasks -SMS
• Serial Port • Request Format • AVS • Communication Types - MMS
• TCP/IP • Parity • Tip • Request Formatting - Video
• Amount • Response Formatting
• Industry Vertical
• Card Swipe
• Pin Entry
• Confirmation

22. Business Reason:
SAAS Module Convert Gift Cards To Loyalty Cards
Store PCI Consumer Touch-points
Loyalty Implementation eCommerce Integration
CRM: SMS, MMS, E-Mail Cross Border Deployment
POS Upgrade / Maintenance Outsource Non-Core Functions
Switch Processor 24 x 7 Customer Service
Reduce Processing Costs

23. Inception:
POS Selection: Model / Types Alert Notifications
Security Requirements PCI Approval
Communication Marketing Campaigns
Transaction Types Processor Certifications
Settlements SKU Uploads
Content Upgrade Setup
User Setup Volume Processing
Reporting Requirements

24. Deployment Setup:
Pilot Planning Deployment Schedule
Consumer, Store Feedback Geography
Fine-tune Checkout Brands
Reports Validation Division
Refine Marketing Campaign Calendar
Test Auto Downloads

25. Deployment Setup:
Monthly Dashboard Review Continuous Process Improvement
Trend Analysis Optimize Flows
Processing Statistics Optimize Campaigns
Fraud Checks Analytics
Roadmap Review: Business Strategy Alignment

26. Bruce Burke bruce@ipaystation.com
Director of Business Development
iPayStation www.ipaystation.com
6262 142nd Avenue N. Suite 201
Clearwater, FL 33760
Office: (978) 632-6798 x 157
Mobile: (727) 612-5775
Fax: (978) 632-7085