<ul><li>Introduction </li></ul><ul><li>  </li></ul><ul><li>Idram is the only Internet-based payment system in Armenia, whi...
<ul><li>Idram internet payment system is an online tool for B2B and B2C marketing, that provides a unique opportunity for ...
<ul><li>Advantages of Idram Internet Payment System </li></ul><ul><li>  </li></ul><ul><li>Mobility </li></ul><ul><ul><li>F...
<ul><li>User-friendly interface </li></ul><ul><li>Easy online registration consists of data refill, which satisfies audit ...
Convertibility to other IPS and processing centers
<ul><li>  </li></ul><ul><li>Online payment of utility services, particularly for fixed and postpaid cell  phone, gas, wate...
  Idram internet payment system gives an opportunity to business companies and individuals to sale their goods and service...
<ul><li>  </li></ul><ul><li>Refill o pportunities </li></ul><ul><ul><li>Cash in a company cash desk and  </li></ul></ul><u...
<ul><li>System Access via the Mobile Phone Connected to GPRS </li></ul><ul><li>  </li></ul><ul><li>Optimized version of Id...
<ul><li>Security </li></ul><ul><li>  </li></ul><ul><li>First level is ensured by SSL coding based on SSL  </li></ul><ul><l...
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EDram Internet Payment System

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Brief description of EDram Internet Payment System and its features. Opportunities for partners and users.

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EDram Internet Payment System

  1. 2. <ul><li>Introduction </li></ul><ul><li>  </li></ul><ul><li>Idram is the only Internet-based payment system in Armenia, which is aimed at qualitative adjustment of the global role of Internet network in Armenia, its transformation from information source to e-commerce tool. </li></ul><ul><li>  </li></ul><ul><li>  Awards : </li></ul><ul><li>Grand Prix at the Armenian Contest electronic products &quot;Mashtots 1600&quot;, in the category &quot;E-Business&quot; (2005) </li></ul><ul><li>Included in the top ten best products in the category &quot;World e-business&quot; during the World Summit in Tunis (2005) </li></ul>
  2. 3. <ul><li>Idram internet payment system is an online tool for B2B and B2C marketing, that provides a unique opportunity for both individual users and business companies to do their business via the Internet. </li></ul><ul><li>  </li></ul><ul><li>Features of individual users : </li></ul><ul><li>Online purchase </li></ul><ul><li>Online payments for different services </li></ul><ul><li>Money transfers </li></ul><ul><li>  </li></ul><ul><li>Features of business companies: </li></ul><ul><li>Presentation of products and services to the attention of buyers within and outside of Armenia on the Internet </li></ul><ul><li>Comfort and speed the collection of payments for the delivery of products and services </li></ul>Idram Payment System Definition
  3. 4. <ul><li>Advantages of Idram Internet Payment System </li></ul><ul><li>  </li></ul><ul><li>Mobility </li></ul><ul><ul><li>Fast payments from any unit connected to </li></ul></ul><ul><ul><li>the Internet </li></ul></ul><ul><ul><li>Economy of time and money </li></ul></ul><ul><ul><li>Payment privicy </li></ul></ul><ul><li>  </li></ul><ul><li>Accessibility </li></ul><ul><ul><li>Ability to login from any computer and </li></ul></ul><ul><ul><li>mobile phone (home, workplace, internet </li></ul></ul><ul><ul><li>club, etc.) </li></ul></ul><ul><ul><li>Login through any Internet browser </li></ul></ul><ul><ul><li>Work without additional software </li></ul></ul>
  4. 5. <ul><li>User-friendly interface </li></ul><ul><li>Easy online registration consists of data refill, which satisfies audit requests. </li></ul><ul><li>  </li></ul><ul><li>Payment history </li></ul><ul><li>Archiving the history of all payments from the date of registration. </li></ul><ul><li>  </li></ul><ul><li>High level confidentiality </li></ul><ul><li>Secrecy of all user data, as well as information about committed transactions are guaranteed. </li></ul><ul><li>  </li></ul><ul><li>Lack of technical restrictions for partners </li></ul><ul><li>While connecting to the payment system no restriction related to the technical part exists. </li></ul>
  5. 6. Convertibility to other IPS and processing centers
  6. 7. <ul><li>  </li></ul><ul><li>Online payment of utility services, particularly for fixed and postpaid cell phone, gas, water and electricity. Group payment s. </li></ul><ul><li>Instant refill of prepaid mobile </li></ul><ul><li>balance </li></ul><ul><li>Loan repayments </li></ul><ul><li>Tax payments </li></ul><ul><li>Online purchase of virtual and </li></ul><ul><li>real products </li></ul><ul><li>Money transfers </li></ul>Services for Users
  7. 8.   Idram internet payment system gives an opportunity to business companies and individuals to sale their goods and services via Internet. As the system cooperates with other payment systems, with the sole agreement our merchants can start accepting payments via such payment systems as: etc. Services for Merchants
  8. 9. <ul><li>  </li></ul><ul><li>Refill o pportunities </li></ul><ul><ul><li>Cash in a company cash desk and </li></ul></ul><ul><ul><li>partner banks' branches </li></ul></ul><ul><ul><li>Cash terminals </li></ul></ul><ul><ul><li>VISA/MasterCards, ArCa credit </li></ul></ul><ul><ul><li>cards </li></ul></ul><ul><ul><li>Prepaid cards </li></ul></ul><ul><ul><li>Bank transfer </li></ul></ul><ul><li>   </li></ul><ul><li>Withdrawal opportu n ities </li></ul><ul><li>  </li></ul><ul><ul><li>Company cash desk </li></ul></ul><ul><ul><li>Cash in partner bank s' branches </li></ul></ul><ul><ul><li>Bank transfer </li></ul></ul>
  9. 10. <ul><li>System Access via the Mobile Phone Connected to GPRS </li></ul><ul><li>  </li></ul><ul><li>Optimized version of Idram payment system. </li></ul><ul><li>Features of mobile version: </li></ul><ul><li>Online payment of utility services, </li></ul><ul><li>particularly for fixed and postpaid cell phone, </li></ul><ul><li>gas, water and electricity. Group payment s. </li></ul><ul><li>Instant refill of prepaid mobile balance </li></ul><ul><li>Idram balance view </li></ul><ul><li>Idram ID refill via </li></ul><ul><li>VISA/MasterCard, prepaid cards, bank </li></ul><ul><li>transfer </li></ul><ul><li>Money withdrawal to company cash desk and partner banks' branches, bank transfers </li></ul><ul><li>Intersystem transfers (to other Idram IDs) </li></ul>
  10. 11. <ul><li>Security </li></ul><ul><li>  </li></ul><ul><li>First level is ensured by SSL coding based on SSL </li></ul><ul><li>certificate granted by VeriSign and Thawte companies. </li></ul><ul><li>2. Second level of security is ensured by Pin code. </li></ul><ul><li>3. Third security level is the prevention of multiple queries </li></ul><ul><li>created by automated programs (robots). This level of </li></ul><ul><li>security is ensured by method of generation of random </li></ul><ul><li>numbers, which guarantees appearance of a real human </li></ul><ul><li>at the moment of accessing the system. </li></ul><ul><li>4. Fourth level is the protection of files and databases. </li></ul><ul><li>Fifth security level is ensured by hourly automated </li></ul><ul><li>activation of information, making it possible to recover all the data when necessary. </li></ul><ul><li>Sixth level of security: all IP addresses, visiting “EDram” </li></ul><ul><li>ID, as well as visits accurate time and dates are checked and saved. </li></ul><ul><li>Seventh level of security is ensured by round-the-clock </li></ul><ul><li>operational control by the system employees. </li></ul>
  11. 12. Thank you for your attention!

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