2. 1 Customer Requirement Analysis
2 CI L Solution
3 CI L Introduction
3. >Ok to charge any amount
of deposit depending on
the auction
Customer Requirement Analysis
Login iPai website to register as members to the auction.
Registration
Online payment security deposit RMB 500 to participate in auction.
Deposit
Selection of goods completed auctions
Auction
Online payment successful auction item.
Payment
5. Deposit Auction
Payment Payment
Need to ask Gordon if we could:
1. Add a “pay deposit” option to the sign-in pop up page to link online customers to the
CardInfoLink payment page (generated by CardInfo).
2. When customers finish paying, a unique code can be generated. Will our system then be able to
accept this unique code before allowing customers to bid (if not a bidding code then how about a
unique bidding number?) What range of numbers should CardInfo use for generating the code?
3. Before bidding, customers should click on “enter your deposit code here, or bidding number
here” option.
4. On the bidding page, add a deposit explanation “you must pay a deposit in order to start
bidding, click here to start the process, if you are unsuccessful then the full amount will be
refunded back to your account within xx business days. If you are successful then you will only be
charged the remainder of the balance….”. There needs to be a link to the Cardinfo payment page.
6. 1 Customer Requirement Analysis
2 CI L Solution
3 CI L Introduction
7. Solution 1 is not viable after CIL Solution
speaking to the tech people at
CardInfo
Deposit Payment, Solution 1 or Solution 2?
Will be immediately returned
Pre-authorization
Cancellation to the cardholder
Solution 1:
Pre-authorization
(only for Credit Card)
Date/Time
Bidder name
Deposit withholding Deduction of auction
ID Card number
Solution 2: Order Number
Purchase
(both Credit and Debit
Card) CIL will initiate the refund in
Refund bulk file mode and the money
will be returned within about
a week to the cardholder
Solution 1: Cardholder ’ s account is only blocked while not settled
Solution 2: Cardholder ’ s account is deducted and settled
Confidential & Proprietary 7
8. Auction Payment
Online Bank
CIL 3rd Party
supports
Payment on
Delivery
Confidential & Proprietary 8
9. CIL Solution
( 1) Syst em Fr am or k
ew
UnionPay
Live POS
All in Pay
Auction Acquiring
System Alipay
Banks
Online Online Other
Payment Channels
Auction
iPai CI L
Confidential & Proprietary 9
10. ( 2) Suppor t ed Tr ansact i ons
Com ply w it h CUP and Card Schem e Regulat ion
Pur chase
Cancel l at i on
Pr e- aut h
Pr e- aut h Cancel l at i on
Pr e- aut h Com et i on
pl
Ref und
Rever sal
Confidential & Proprietary 10
11. ( 3) Set t l ement Pr ocessi ng
Settlement reports
files
CIL system
Settlem ent
files
Card
Scheme Settlement iPai
fund
Fund
Acquirer
Finance
Note:
Deposit Payment: Fund will not be settled to iPai for pre-authorization deposit in solution 1
Refund: Return will be done for all those based on the list from iPai either through pre-auth
cancellation(solution 1) or refund(solution 2)
Confidential & Proprietary 11
12. CIL Solution
( 5) Advant ages 1. For Gordon to get back to us
ASAP! (This wk ending in 2 Nov)
CUP and PBOC certified paym ent system 1. Kurt to process CIL agreement
AT& T certified IDC
1. For CIL to start processing our
Cisco and IBM provides hardware and software request and set up the system…
Triple DES encryption (3 weeks) CIL Solutio
2. Target launch deadline (28 Nov)
( 6) St eps
IPai decides which solution for deposit payment, solution 1 or solution 2.
CIL sends form s to iPai to sign and som e docum ents which are required by
paym ent channel
CIL gets t he m erchant ID for iPai
System preparat ion and test
Business launch Confidential & Proprietary 13
20. 管理团队
President & CEO, an executive with 18 years experience in the payment and
information system industry ( 4 years with REUTERS, 6+years with
James Zhao MasterCard, and 8 years with UnionPay). He has professional understanding
on the industry, product, system/Network and operation/service, and good
relationship with card scheme, banks and service providers in the industry.
Executive Vice President, a professional supervisor in rich of marketing and
Victor Ye operation experience through his 10+ years with UnionPay. Before joined in
CardInfoLink, he was the chief representative of Middle East and Africa.
Executive Vice President, a vibrant and professional supervisor in card
industry with extensive and solid experience through his 8 years with
Jerry Zhu UnionPay International. He has full experience for acceptance, risk
management, operation/Service, and established good relationship with
market
Executive Vice President, a typical technical and operation supervisor in card
industry with professional experience through his 8 years with UnionPay
Hyman Zhu International. He has better understanding on system/network management,
data security management, card scheme interface specification and industry
certification.
