Beijing Gao Hui Tong Commercial Management Co. Ltd. is a third-party payment institution that focuses on prepaid card issuance and acceptance. It has a leading position in the industry. The presentation provides an overview of the company's business lines including payment gateway services, quick payment options, money collection services, and cross-border RMB payment capabilities. It also introduces the company's strategic advisory committee, history, branches, and applicable industries.

1. Beijing Gao Hui Tong Commercial
Management Co. Ltd. 2016 Business Profile
about Beijing Gao Hui
Tong Commercial
Management Co. Ltd.

2. Welcome to watch Beijing Gao Hui Tong Commercial
Management Co. Ltd.’s business profile. We are a third-
party payment institution that has a leading position in
the industry, mainly focus on prepaid card issuance and
acceptance business.
The whole presentation will take you about 15 minutes.
We really appreciate your time.
Introduction

3. CONTENTS
01
About Us
02
Payment Gateway
03
Quick Payment
04
Money Collection
05
Cross-border Business

4. Beijing Gao Hui Tong Commercial Management
Co. Ltd. is a wholly-owned subsidiary of China
Innovation Pay Group Limited(08083.HK).
About Us

5. Company Introduction
Beijing Gao Hui Tong Commercial Management Co. Ltd. is a wholly-owned subsidiary of China
Innovation Pay Group Limited(08083.HK). The People's Bank of China issued The Payment Business
License (No:Z2016211000010) to us in 2012. Types of business: Internet Payment (Nationwide),
Prepaid Card Issuance and Acceptance (Beijing, Shanghai, Zhejiang Province, Guangdong Province,
Liaoning Province).
Beijing Gao Hui Tong Commercial Management Co. Ltd. is an institution specialized in third-party
payment business, which is approved by the Guangzhou Branch of the People's Bank of China to launch
cross-border RMB payment business in 2015.
ABOUT US
2008
Company
established
100million
Registered
fund
2012
Payment
license
2015
Cross-border
business

6. Branch offices
Guangzhou Branch
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.
Shanghai Branch Shenyang Branch Shenzhen Branch
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.

7. Shandong Branch Hangzhou Branch
Branch offices
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.
A wholly-owned
subsidiary of China
Innovation Pay Group
Limited.

8. Our Team
Strategic Advisory
Committee Member
Working in financial industry
for over 30 years, Mr. Wan is
the former head office
director of the People's Bank
of China, vice governor and
executive vice president of
China Merchants Bank,
founder and CEO of China
UnionPay, etc. He was rated
as one of the 60 people that
affecting China’s economy
since the foundation of
People’s Republic of China.
Wan Jianhua
Strategic Advisory
Committee Member
Mr. Xia, graduating from
Postgraduate Research
Institute of the People's
Bank of China, has worked
as vice president in Finance
Research Institute of te
People's Bank of China. In
2009,he was the counselor
of State Council. In 2012, he
worked as the president in
China Chief Economist
Forum.
Xia Bin
Former governor and ministry party
group’s secretary of the Dalian
Branch of the People‘s Bank of China,
deputy governor and ministry party
group’s deputy secretary of the ICBC,
president of China UnionPay. He
further developed the key countries
and regions’accepted markets
during his tenure in Unionpay,
basically realized Chinese tourism and
business to reach more countries and
regions to accept UnionPay cards,
meeting domestic card
holders’overseas payment needs.
Liu Tinghuan
Strategic Advisory
Committee Member

9. 9
Our Team
Strategic Advisory
Committee Member
Mr. Yan is a senior
economist who has the
economic master's degree of
Tsinghua University. Mr. Yan
is the former director of the
Head Office of Bank of China
, vice president of the
Guangzhou banch of CITIC
Bank (formerly known as
CITIC Industrial Bank ),
general manager of CITIC
Securities Company Limited
(Guangzhou).
Yan Xiaotian
Strategic Advisory
Committee Member
Mr. Ma has worked at the
headquarter of the
People's Bank of China,
later was served as the
research department’s
director of Goldman Sachs
(Asia), Gao Hua Securities
investment & research
department's director, co-
head of Goldman Sachs
(Asia)'s Asia-Pacific
financial research
institution team, etc.
Ma Ning
Strategic Advisory
Committee Member
With over 20 years' experience
in banking and e-payment
business, Dr. Lei is China
UnionPay’s former general
manager of the strategic
development department and
assistant chief executive, former
managing director of
CHINAUMS, former director of
China UnionPay Data Services
Co. Ltd., etc.
Lei Chunxiong

10. 2008.8
2015.8
Founded in August 2008， we are an
institution that specialized in third-party
payment business. Types of business: Internet
Payment, Prepaid Card Issuance and
Acceptance, etc.
Company established
2012.8
Company History Timeline
Payment License
The People's Bank of China
issued The Payment Business
License (No:Z2016211000010)
to the company in 2012.
We are approved by the Guangzhou Branch of
the People's Bank of China to launch cross-border
RMB payment business in 2015.
Cross-border RMB Payment Record List

11. 2015.10
2016
Based on the requirement of customers, we aim at meeting customers' real needs, exploring customers’
potential needs, constantly improving the existing prepaid card system, designing business processes
around customers’convenience and security, perfecting service quality for the pleasure of customer
experience, helping users enter the age of convenient & secure payment.
New era. New beginnings.
Adhering to the company's culture of “co-create brilliance, share
achievements”，we respect individuality, encourage
communication, highly praise practical ways of working.
With the approval of Customs, we successfully
docked with Guangzhou, Huangpu and
Hangzhou Customs, etc. in 2015.
Access to customs platform

12. Payment Gateway is the interface between bank
financial network system and Internet network
system.
Payment Gateway

13. Payment Gateway
Payment Gateway is the interface between bank financial network system and Internet network system. It is a set
of server equipment operated by bank to convert the Internet data to financial institution's internal data, or to
deal with merchants' payment information and customers' payment orders by a designated third party.
Payment
Gateway
merchant bank
network network

14. Supporting Channels

15. Alipay & Wechat Payment
On Gao Hui Tong's platform,
payment can be completed
not only by online banking,
but also by wechat payment
and Alipay.
Scan-code Payment:
When users choose Alipay or
Wechat payment after
submitting the order on the
website, QR Code will be
generated and then users can
complete the payment by
scanning it and inputing
password.

16. Alipay & Wechat Payment
Take our Alipay as an
example:
Click our platform's Alipay,
the page can jump to Alipay's
web page within 1-2s,
customer can complete the
payment by scanning the QR
Code. It is quick and
convenient.

17. Alipay & Wechat Payment
Take our Wechat as an
example:
Click our platform's Wechat
payment, the page can jump
to Wechat's web page within
1-2s, customer can complete
the payment by scanning the
QR Code. It is quick and
convenient.

18. Applicable Industries
e-commerce
platform
offer payment channels,
accelerate consumers'
payment processes
financial exchanges other industries.
offer payment gateway,
provide deposit channels
to investors
business travel industry, e-mall,
financial industry, online
education site, virtual industry
prepaid, etc.

19. 19
Gao Hui Tong's quick payment, the payment
based on pc website or app, is quick, safe and
convenient.
Quick Payment

20. Quick Payment
Mobile wap
1、Gao Hui Tong collects card information.
2、Wap page can be designed according
to merchant's needs.
Mobile wap+Tie-card
payment API
1、Gao Hui Tong collects card information.
2、The deduction of second payment can be
completed by directly calling tie-card interface
and do not need to call Gao Hui Tong's web
page.
PC web
1、Gao Hui Tong collects card information
2、Wap page can be designed according
to merchant's needs
PC web+Tie-card
payment API
1、Gao Hui Tong collects card information.
2、The deduction of second payment can
be completed by directly calling tie-card
interfaceand do not need to call Gao Hui
Tong's web page.
Quick payment is the payment based on pc website or app.
The first time: input bank card's information on pc website or app, and then the payment will be completed.
The second time: complete payment by just pressing one button

21. Supporting Channels
Credit Card
support 16 banks: China Merchants Bank,
Industrial and Commercial Bank of China,
China Construction Bank, etc.
Debit Card
support 15 banks: China Merchants Bank,
China Construction Bank, Agricultural
Bank of China, etc.
Payment is available as long as there is a bank card. Online banking is not needed.

22. First binding
Self-designed Rules
Bind a card
Range of order amount
Transaction time
Wap Page
The rule of text verification of one-button payment
can be set according to client's demands for risk
management. Text messages will be sent during the
first payment and card binding.

23. PC Page
Once the client enters
his or her bank card
number on one-button
payment webpage, the
system will automatically
judge the bank card's
type(credit card or debit
card) and then transfer
to the page of filling
card information.

24. Applicable Industries
Gao Hui Tong's quick payment, the payment based on pc website or app,has numerous users in different industries.
Livelihood Payment
Online Financial
Management
Virtual Recharge
E-commerce
Others

25. 25
Gao Hui Tong's money collection matches information
flow and capital flow through the operation on its
platform. Mistakes of manual operation can be reduced
by docking systems. The fee is united while money is
paid across banks or regions, it is quick and economical.
Unified reconciliation sheets are provided, which is
convenient for accounting.
Money Collection

26. Money Collection
Collecting Service
Collecting service is based on the entrustment
agreement between cardholder and merchant. It
allows the merchant to complete designated collection
businesses through cardholder's appointed account
according to the agreement. e.g. collecting water rate,
electric charge and gas fee
Paying Service
Paying service is for merchant to pay
money to cardholder's accounts from
its corporate account. e.g. paying
salary and redeeming fund

27. Collecting Process
Collecting
Service's
Merchant
Gao Hui Tong Bank Channel
application
accountant
Gao Hui Tong's
collecting service
platform
bank A
bank B
bank C
merchant
collection
request
single
collection
request
volume
collection
files
direct interface of
bank C
direct channel of
bank B
indirect
channel

28. Advantages
Convenient Operation
match information flow and capital flow through Gao Hui Tong's platform
Incredible Safety
reduce mistakes of manual operation by docking systems
Lower Cost
united fee while money is paid across banks or regions;
quick and economical
Efficient Management
provide unified reconciliation sheets;
convenient for accounting
01
03
02
04

29. Applicable Industries
Applicable industries of
collecting service
Insurance industry: collecting insurance
premium,etc.
Distribution industry: collecting distributors'
money, etc.
Chain enterprise: collecting everyday's turnover
of each chain store,etc.
Production-oriented enterpeise: collecting
upstream and downstream settlement money,
etc.
Applicable industries of
paying service
Distribution industry: paying commission
to nationwide sales,etc
Chain enterprise: paying salary to cross-
region staffs,etc

30. merchant introduction:
A dairy company, located in Guangdong, has integrated production, R&D, processing and marketing and become one of the largest and
most advanced dairy companies in southern China.
Gao Hui Tong's solution based on collecting and paying service
One
Distributors provide their
account and deposit
corresponding money.
Two
Accountants in headquarters
make volume collecting files and
upload to Gao Hui Tong's platform
according to distributor's payment
Four
Headquarters follows the real-time
stock situation of distributors
through Gao Hui Tong's system
Three
Accountants inform delivery in
accordance with collection's
result
Case Sharing

31. 31
Cross-border RMB payment business refers to the
payment institutions, which lawfully obtained the
“Internet Payment Business License”, cooperative
with banks to offer RMB settlement service for
enterprises and individuals' cross-border goods &
service trades.
Cross-border Business

32. Cross-border RMB payment business refers to the payment institutions, which lawfully obtained the “Internet payment
business license”, cooperative with banks to offer RMB settlement service for enterprises and individuals' cross-border
goods & service trades.
Cross-border Business
2009
The Measures for the Administration of Pilot
RMB Settlement in Cross-border Trade was
officially introduced in July 2009.
2012
Adhering to the advanced concept of
“Early and Pilot Implementation”, the
Guangzhou Branch of the People's Bank of
China selected pilot units to develop the
third party payment institutions’ cross-
border RMB payment business by the end
of 2012.

33. 01 02 03 04 05 06
Funds Security
adapt high security
technology to confirm data
completeness and security
Wide
Applicability
support nationwide and
various industries' collecing
and paying service
Quicker Fund
Withdrawal
support various settlement methods;
accelerate fund withdrawal
Large-volume Cross-
border Transaction
allow large-volume collection and
payment transactions;
meet merchants' demands to the
largest extent
Lower Financial
Costs
decrease operational costs
and risks by centralized
management;
improve working efficiency
Simplified
Procedures
support different accessing
methods;
simplify daily operation and
management
Features

34. B2B Exiting China Process

35. B2C Exiting China Process

36. B2C & B2B Entering China Process

37. Case Sharing
Cross-border clearing and collecting: Take the insurance industry as an example, if policyholders sign a withholding
agreement with insurance companies, Beijing Gao Hui tong Co. Ltd. can deduct the premium from their domestic bank
accounts, and then clear the premium to overseas insurance companies with the cross-border settlement.

38. 38
Beijing Gao Hui Tong Commercial Management Co. Ltd.
Thank you