Describes Card Management and Digital Payment Solutions from Maximus Infoware.

2. Corporate Overview
S360 - Switches
ATM Managed Services
Payment Solutions
Maximus Infoware (International)
Singapore
2017

3. Corporate Overview

4. Present Status
 End-to-End solution - Omni-Channel, Industry-Compliant, Own IP
 100% Success Rate
 Repeat customers
Business Summary
• Payment Gateways and Solutions
• Managed Services Platforms
• Enterprise Applications
• Global HQ: Mumbai, India
• International Office: Singapore
• R&D: Pune & Thane
• Support Offices: 16
Industry Focus
• Banking & Financial Services
• Telecom and BPO Services
• Government and Smart Cities
ABOUT MAXIMUS
• Founded in 2006
• Backed by SIDBI Venture Fund

5. SINGLE STOP SOLUTION PROVIDER

6. STRENGTH IN NUMBERS

7. PAYMENT SOLUTIONS
Confidential
ENTERPRISE SOLUTIONS
MANAGED SERVICES
TRACE TM
TRANSACTION RECONCILIATION
ATHMA TM
ATM HEALTH
MONITORING
INFOXCHANGE TM
EJ PULLING & SCREEN
DEPLOYMENT
FORECASH TM
CASH FORECASTING
OVERSITE TM
ATM SITE MONITORING
MANAGECALL TM
INCIDENT MANAGEMENT
MULTI TM
UNIFIED PAYMENT
INTERFACE
TURANTH TM
INSTANT MONEY
TRANSFER
MEGHAPAY TM
MERCHANT PAYMENTS
PAYRAKAM TM
SMS/USSD BASED
PAYMENTS
ABHI TM
IMMEDIATE
PAYMENT SERVICE
eNIDHI TM
BUSINESS WALLET microVITHHA TM
MICRO FINANCE
TRACTION TM
NPA TRACKER
KRIYA TM
HUMAN RESOURCE
MANAGEMENT SYSTEM
REVENUE CHANNELS
MULTI CHANNEL EFT SWITCHING
ASTRA TM
EFT SWITCH
CARDE TM
CARD MANAGEMENT RAKSHA TM
CARD CONTROL
KSHAN TM
KIOSK MANAGEMENT
AASAAN TM
AADHAR ENABLED
PAYMENTS
FLEXI TM
MOBILE BANKING
CHAKRA TM
CREDIT CARD LIFECYCLE
MANAGEMENT
MUDRA TM
CARD PRINTING
SOLUTION
PAGAAR TM
BIOMETRIC SALARY
DISBURSEMENT

8. CERTIFICATIONS
Content Deployment Certified by:
National Financial Switches
Integration:

9. SAMPLE CUSTOMERS
लातूर अर्बन
को ऑप र्ँक

10. Customer
References

11. Customer
References

12. EFT Switches (S360)

13. Confidential
MAXIMUS Offering – System Schematic

14. Page 14 | 15Confidential
Functionalities
 Cash Withdrawal
 Fast Cash
 Funds Transfer
 Balance Enquiry
 PIN Change
 Mini-Statement
 Statement Request
 Cheque Book Request
 Stop Cheque request
 Card less withdrawal (biometric / OTP)
 Aadhaar Number Seeding
 IMPS
 Cash Recycler integration
 CBS integration
 Dashboard & Reports
 QR payments

15. Confidential
MAXIMUS Offering – Application Schematic

16. 16
Scalable Architecture

17. Page 17 | 15Confidential
List of Reports
 Transaction summary
 Transaction Details
 Decline transactions
 Reversal transactions
 Issuer chargeback
 RBI Report
 Frequent issuer transactions
 Hour count summary
 Cassette Configuration Status
 Terminal transactions
 Terminal transaction count
 Terminal summary

18. Hosted SaaS
Model
Security based
on PA-DSS &
PCI-DSS
Reports can be
exported in
various formats
Consulting
Services
User friendly UI
for transactions,
logs & Reports
THE MAXIMUS ADVANTAGE
Confidential
ASTRA

19. MULTI CHANNEL EFT SWITCHING
Confidential
CONNECTED PRODUCTS
ASTRA TM
EFT SWITCH
CARDE TM
CARD MANAGEMENT
RAKSHA TM
CARD CONTROL
KSHAN TM
KIOSK MANAGEMENT
AASAAN TM
AADHAR ENABLED
PAYMENTS
PAGAAR TM
BIOMETRIC SALARY
DISBURSEMENT
FLEXI TM
MOBILE BANKING
CHAKRA TM
CREDIT CARD LIFECYCLE
MANAGEMENT
MUDRA TM
CARD PRINTING SOLUTION

20.  Data Security of PVK (bank’s secret key), Offset and
Card Number
 Issue of new cards
 Renewal of soon-to-expire cards
 Standardized format with card numbers for
personalization of ATM cards
 Electronic commerce with excellent traceability
 Generates
 Card Authorization File (CAF)
 PIN and PIN mailers
 Popular databases – Oracle, MS SQL Server etc.
 Centralized and de-centralized modes
CARDE – Card Management System

21. MONITORING
(ATM MANAGED SERVICES)

22. Confidential
MONITORING PLATFORM - M365
TRACE TM
TRANSACTION RECONCILIATION
ATHMA TM
ATM HEALTH MONITORING
INFOXCHANGE TM
EJ PULLING & SCREEN DEPLOYMENT
FORECASH TM
CASH FORECASTING
OVERSITE TM
ATM SITE MONITORING
MANAGECALL TM
INCIDENT MANAGEMENT

23. ATHMA – ATM HEALTH MONITORING
ATM Health Monitoring
Cash Status for ATMs
Connect Multiple ATMs
Real-time alerts relating to ATM
Scalable solution
•Reduction in ATM network management costs
Onscreen dashboards, reports, SMS and email alerts

24. ATHMA
Device Status

25. ManageCall – Incident Management
Organization Structure
Support Team Structure
Project/Asset Module
Customizable Item fields
Contact Management Module
Log Support Call/Create Ticket
Ticket Re-direction
Ticket Escalation & SLAs
Ticket Closure
Support for PDAs and mobiles
SSL support for secure
communication
AMC tracking and Billing for
Spares and Service
Time Tracking Capabilities
Reports

26. CALL MANAGEMENT
Ticket Center

27. Reports
State wise EJ Status

28. Forecash – Cash Forecasting
Effective Cash
Monitoring for
reduction in
ATM Cash Outs
Automatic
Indent
Generation
Auto Indent
Sending for
All Nodal,
CRAs with
ATM
Mapping
Proper Track
for SR
Generated
from Banks
User Control
to Maintain
CER Ratio
High Range
for C3R
Integration
Strong C3R
Validation
with
Automatic
C3R Upload
Expected Cash
Out Status for
Accurate
Indenting
Quick Integration
with Maximus
Incident
Management
System to avoid
unwanted visits
for Down ATMs
Strong Analytics
with dynamic
Dispense
Calculation

29. Oversite – Complete Site Monitoring

30. TRACE
4-Way Recon Process

31. PAYMENT SOLUTIONS

32. Confidential
PAYMENT SOLUTIONS - PAYC24
MULTI TM
UNIFIED PAYMENT INTERFACE
TURANTH TM
INSTANT MONEY TRANSFER
MEGHAPAY TM
MERCHANT PAYMENTS
PAYRAKAM TM
SMS/USSD BASED PAYMENTS
ABHI TM
IMMEDIATE PAYMENT
SERVICE
eNIDHI TM
BUSINESS WALLET

33. Micro-ATM Services
33

34. MAXIMUS AASAAN – BIOMETRIC BASED PAYMENTS
Customer Authentication
Parameters can be set according
to Bank’s Requirement
Reaching last mile customers
Support for PIN as well as Biometric
Customizable Solution
24x7x365 Availability
Agent Banking
Card + PIN
Card + Biometric
Cardless Transactions
Biometric based
Payments
Functionalities

35. Page 35 | 15Confidential
Functionalities Contd.
 Balance Enquiry
 Mini-Statement
 Deposit Money
 Withdraw Money
 Send & Receive
Remittances
 Inward foreign
Remittances
 Vendor Payment
 Utility Bill Pay
 Merchant Payments
 Tax Payments
 Insurance Pay
 Salary & Allowance
Distribution
 Mobile Recharge
 Dividend Payment

36. Page 36 | 15Confidential
MAXIMUS Offering – System Schematic
E- KYC

37. Page 37 | 15Confidential
MAXIMUS Offering – System Schematic
TRANSACTION

38. Page 38 | 15Confidential
Use Case
ATM
DEMONETISATION
RURALAREAS
NO NEED OF ATM
Higher ATM Set Up Cost
Replacement of ATM with Micro-ATM

39. Biometric Salary Payment
39

40. MAXIMUS PAGAAR - BIOMETRIC SALARY DISBURSEMENT
 Automation of Salary Disbursement through
ATMs using a private ATM network
 Eliminates the hassle of maintaining, processing
and disbursal of payroll to unskilled and semi-
skilled workforce who do not have access to
banking facilities and channels
 Cardless Salary withdrawal through ATM using
Biometric Authentication
 Inbuilt remittance makes the solution a turnkey
system for payroll management
 Exact wages are paid to the right labourers by
linking PAGAAR to payroll system of the mill
BIOMETRIC SALARY DISBURSEMENT

41. MAXIMUS PAGAAR – SYSTEM SCHEMATIC

42. REPORTS
Transactio
n Report
Employee
Registratio
n Report
Employee
Group
report
GL report
Pay slip
report
Authentic
ated Users
Report
MAXIMUS PAGAAR
Worker
Registration
Salary
Disbursement
Request
Worker
Authentication
Cash
Dispense
Receipt
Generation
MODULES

43. Instant Money Transfer
43

44.  Instant Money Transfer solution that allows cardless cash
withdrawal from ATM
 Transfer money from remitters bank account to anyone who
may not have a bank account, provided the beneficiary has a
mobile number
 Immediate handling of high volumes of payments with
negligible downtime and heavy security and compliance.
 Funds transfer is easy and secured
 No paper based service request
 Self Service – Bank’s customer can him/ herself initiates the
transaction
MAXIMUS TURANTH – INSTANT MONEY TRANSFER
INSTANT MONEY TRANSFER

45. MAXIMUS TURANTH – PROCESS FLOW

46. MAXIMUS MEGHAPAY is a payment solutions with a
mission to create digital links between consumers,
businesses and governments to build an ecosystem
that facilitates easy, fast and secure transactions.
MAXIMUS MEGHAPAY – MERCHANT PAYMENTS
 Allows merchants to accept payments on-the-go in
any place and anytime via EMV L1/L2 compliant
credit/debit card readers (dongle) attached to a
smartphone or tablet device
 Comes with a mobile card reader (Swipe & Sign or
EMV Chip) and a mobile application
 Enables businesses with mobile credit/debit card
processing capabilities along with cash
management
 Provides businesses with mobile reporting tools
and retail transaction tracker
 Void or capture payments in real-time using their
iOS or android devices
MERCHANT PAYMENTS

47. ENTERPRISE APPLICATIONS

48. ENTERPRISE SOLUTIONS
Confidential
ENTERPRISE EAPM
microVITHHA TM
MICRO FINANCE
TRACTION TM
NPA TRACKER
KRIYA TM
HUMAN RESOURCE
MANAGEMENT SYSTEM
(under development)

49. MAXIMUS Traction - NPA TRACKER
Admin Module
• Transfer of NPA accounts data from CBS and/or
other system
• User Management
Web Module
• Dashboard with the summary information of NPA
accounts
• Details of securities
• Details of guarantors
• Daily status reports on NPA accounts
• NPA accounts back-end
• Allocation of NPA accounts to Field Staff
• Allocation of NPA accounts to
Branch/Cluster/Region/Zone
• Appointments schedule for meeting defaulters
Mobile Module
• Updates of interactions with defaulters by field
staff
• Capture and Repository of all communication with
defaulters - emails, leers, audio recordings, video
recordings and image captures
• Tagging of interactions carried out with defaulters

50.  Financial Services: Poor & Low Income Clients
 Very Small Loan: Unsalaried Borrowers - Collateral
 Include group lending and liability
 Pre-loan Savings requirement
 Gradually increasing loan sizes
 Cost Covering Interest Rates
 Group Appraisal and Guarantee
 Low transaction cost due to group lending’s
 Transparencies in operation
 Short repayment period
 Simple procedure for reviewing, processing and approving
loan applications and delivery credit
MAXIMUS microVITHHA – MICRO FINANCE
Microfinance refers to an array of financial services including
loans, savings and insurance available to poor entrepreneurs and
small business owners who have no collateral and wouldn't
otherwise qualify for a standard bank loan. With microVithha,
microloans are facilitated to those living in still-developing
countries who are working in a variety of different trades.
MICRO FINANCE

51. For more information:
connect@maximusinfoware.com
+65 6809 0508