Presentation money 2.0


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Presentation Money 2.0 payment system, based on electronic coin.
Mobile payment system on any mobile device or iPhone.

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Presentation money 2.0

  1. 1. Money 2.0<br />EVOLUTION OF PAYMENTS<br />- Internet payments<br />- Mobile payments<br />- Regular payments<br />- Instant payments<br />- Money transfers<br />
  2. 2. KEY SYSTEM ELEMENTS<br />Issue bank, providing cover of electronic money;<br /> Payment System providing for technological procedures of money issue and development of business processes;<br /> Business environment for electronic money circulation and use – a product of mutual operation of the bank and the payment system;<br />
  3. 3. PROJECT TARGETS<br />Implementation of a unified environment for both electronic money circulation and instant money transfers;<br />Providing possibilities of self-service to the bank clients;<br />Implementation of the comprehensive mobile banking concept;<br />Acquiring competitive advantages as compared to all existing payment systems, markets and business models.<br />
  4. 4. THE CORE OF “MONEY 2.0” SYSTEM<br />Electronic Coin <br />
  5. 5. ELECTRONIC COIN – PAYMENTS ONLINE AND IN THE REAL WORLD<br />Electronic coin features<br />
  6. 6. The coin can be incorporated in: <br />
  7. 7. MOBILE PHONE = WALLET!<br />
  9. 9. “MONEY 2.0” ON THE WEB<br />
  10. 10.
  11. 11.
  12. 12. MEMBER AREA<br />
  13. 13. ‘iPHONE’ HOLDERS ARE OUR CLIENTS!<br /><ul><li> There are at least 200 000 people having iPhones in Ukraine and their number keeps growing;
  14. 14. Quick access to the web client – AppStore supermarket;</li></ul> <br /> <br /><ul><li>95% of iPhone holders are active Internet and services users;
  15. 15. PayPal software downloads on the first day of publishing – 1 million times. </li></li></ul><li>EVERYTHING IS VERY SIMPLE…<br />
  16. 16. BASIC COIN TRANSACTIONS <br />Transfer/Payment +%<br />Change +%<br />Consolidation +%<br />Change of personal data +%<br />Coin redemption +%<br />Nominal value checking<br />Replenishment <br />
  17. 17. CHANGE<br />TRANSFER<br />PAYMENT<br />RECHARGE<br />
  18. 18. WHERE TO BUY?(Putting money into the system)<br />Internet <br />Web shops <br />Web Currency Exchange resources<br />Bank website <br />Client-bank <br />Ordering and paying for coins via one’s own member area<br />ATM of the issue bank<br />Partners bank<br />Payment terminals (cash-in)<br />POSterminals<br />Mobile phone<br />SMS<br />Prepaid cards<br />
  19. 19. SELF-SERVICE PAYMENT TERMINALS (cash-in)<br />
  20. 20. HOW TO SELL MONEY 2.0?(Redeem)<br />Internet<br />Transfer to bank card<br />Client-bank<br />Transfer to personal bank account<br />ATM<br />Purchasing goods via ATM <br />Payment terminal<br />Purchasing goods via terminals<br />Mobile Phone<br />Transfer of fund balance to mobile subscriber account<br />Prepaid service terminals<br />Exchange to prepaid provider cards (sale)<br />
  21. 21. WHERE DO I USE IT?<br />In the Internet: bank website, web shops, sites;<br />Mobile phone: at the mobile web portal by using respective mobile phone application;<br />Payment terminals: payment for goods, no cash required;<br />POS;<br />ATM;<br />GAS Station;<br />Other.<br />
  22. 22. Web-shop –<br />
  23. 23. Sale of Coin<br />
  24. 24. PAYMENT BY COIN<br />
  25. 25. EXTRA OPPORTUNITIES<br />The coin number can match a phone number;<br />The coin number can match a bank account number; <br />Personal coin fees (for dealers, merchants, agents);<br />And many other cool stuff.<br />
  26. 26. EXTRA FEATURES OF THE COIN<br />Personification – a coin can be associated with a physical person or a legal entity according to respective contract concluded with the Issue bank;<br />Multiplicity – a personified client may have any amount of coins of various currencies;<br />For each coin the history of transactions is kept;<br />The coin can be integrated with a personal device such as mobile phone or a smart-card;<br />Active/inactive status – the Issue bank monitors status of coins and reissues them in case of need<br />
  27. 27. INTEGRATION WITH EXTERNAL ENVIRONMENT<br />Integration of the coin with a National Mass Electronic Payment System smart-card;<br />Keeping the coin in a mobile phone (requires installing a special application);<br />The coin can be integrated with an NFC phone;<br />The coin is activated within client-bank system;<br />Client of electronic banking system = bank teller;<br />All the other API integration methods.<br />
  28. 28. NFC Instant NFC payments and services<br />- Banking and finance management (self-supervision of accounts);<br />- On-line and Off-line payments in the same environment;<br />- Regular payments (automatic payment);<br />- Information servicing (responding to inquiries, consultancy, other services);<br />- Transport and Entertainment (e-tickets);<br />- Insurance, medicine and civil services;<br />- Security, Identification and Personification.<br />
  29. 29. VERSATILITY<br />Instant money transfers between physical persons and payments to legal entities (P2P/P2B):<br />By using a mobile phone;<br />By using a smart-card;<br />Via Internet;<br />By means of prepaid electronic bills;<br />Via sensor self-service terminals.<br />
  30. 30. ACCESSIBILITY<br />Mobile phone (other personal device): does not require installation of extra software or any specialized cards regardless of mobile communication service provider. Payments are performed using BlueTooth and NFC technologies;<br />Smart-cards – contact cards (National Mass Electronic Payment System cards), plastic cards;<br />Smart-cards – proximity cards (NFC – near field communications), plastic cards, stickers;<br />Card readers – a gadget capable of reading and identifying a card or other devices; <br />
  31. 31. ACTIVATION OF AVAILABLE BANK SERVICES<br />Growth of bank clients number: 1 000 000 System users (clients) in 1-2 years. Growth up to 5-7 mln during 7-8 years;<br />Average daily closing balance of clients’ accounts: from UAH 100.00 per physical person and by UAH 1,000.00 per legal entity (cashing out restriction);<br />Cutting costs of bank infrastructure maintenance (implementation of Internet-banking and payment technologies allowed Bank of America to make redundant 10% of its branches);<br />At least a twofold increase of money transfer transactions made via available cash transfer systems; <br /> Instant micro- and nano crediting and services to bank clients;<br />Single point of contact for making all kinds of payments: offering new financial services (taxes and other charges and payments). <br />
  32. 32. SYSTEM MODEL<br />
  33. 33. Implementing “single point of contact”<br />Already connected<br />To be connected in 2010<br />Utility payments, fiscal and other payments<br />Tickets <br />Fines <br />Music<br />Video<br />Photo<br />Flowers<br />Gifts<br />other… <br />Mobile communication services<br />Internet <br />Television<br />Software<br />Periodicals<br />Electronic currencies<br />Payment cards<br />Books<br />Insurance<br />
  34. 34. Digital goods: movies, CD, DVD, mp3 music, audio-books, e-books, photo, software;<br />Mobile content, mobile communication service providers, PIN-codes;<br />Domestic long distance and world communication, IP telephony, Internet access; <br />Periodicals and newspapers, reference information;<br />Housing and utility service payments, television;<br />Internet services, hosting, domains, mail services, web design;<br />Casino, gaming and entertainment portals, online games;<br />Meetings, chats, forums, blogs;<br />Health and beauty, sports ware, perfumes and cosmetics;<br />Charity, psychological support, social networks<br />Education, research papers, diplomas, translations;<br />Advertisement and marketing, promotion and optimization<br />Finances, insurance, Forex, payment systems, depositing and cashing out electronic currencies, electronic currency exchange; <br />Legal services, business analysis;<br />Tourism services, avia and railway tickets, hotels;<br />Household goods, food products, gifts, accessories, children’s goods;<br />Other…<br />MARKETS AND CASH FLOWS<br />
  35. 35. CONTACTS<br />Thank you for your attention!<br />We shall be happy to answer your questions<br />Payment Systems Ltd.<br /><br />Tel./Fax: +38 044 585 8983<br />