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DIGITAL BANKING SOLUTION
A Gateway To The New World:
Wiseasy, Workeasy
Web: www.wiseasy.com Email: mk@wiseasy.com
CONTENT
Wiseasy Agency Banking
Wiseasy Wallet
Wiseasy Acquiring System
Micro Services
Company Profile
Company Profile
Wiseasy Group is a leading global digital banking and payment builder. The
company aims to promote the innovation, development, and application of
digital banking solutions and payment technology worldwide by offering smart
fintech terminals and rich payment technology services which are able to reach
wider demographics with more convenience.
By December 2020, Wiseasy has provided fintech products and services to over
250 partners and agencies, including transformational banks, developing
acquirers and institutions, growing fintech companies, and expanding mobile
operators, in 67 countries and regions worldwide, covering dozens of industries.
Who We Are?
Wiseasy
IoT Ltd.
Wiseasy
Paycoo+
Ltd.
Wiseasy AI
Business
Unit
Wiseasy established
Internet Android
Terminal P2 launched
Android POS passed
CUP-P3
Started cooperation
with Apple Pay by
Apple 2.0 VAS
P3 won Red Dot
Design Award
Handheld Cloud
Business Terminal M1
launched
Intelligent Business
Terminal T1 launched
Handheld Could
Terminal M2 launched
P3 won IF Design
Award
Established a
production line in
Brazil
AI Service Terminal B3
launched
Smart Commercial
Terminal N5 launched
Mobile payment
solution Wise
Acquiring launched
First foreign subsidiary
established
Set up overseas factory
in Belarus
Overseas Technical support
center established in Morocco
Portable Financial Terminal QT
launched
QR code Payment Speaker QS1
launched
Digital Banking Solution Suite
launched (Wise Wallet, Wise
Cloud, Wise Acquiring)
Listed as Top 10 Mobile
Banking Solution Provider in
APAC 2020 by Banking CIO
Outlook
2012 2014 2015 2016 2017 2018 2019 2020
Our Journey
Partners
Overseas Partners
Domestic Partners
Certifications
Multiple international certifications provide full access to payment with
security and high-quality terminals.
Security Certification
Global Payment
Certification
National Payment
Certification
Electronics &Telecom
Certification
All You Need for Smart Business
ISO Standards to ensure product quality from A to Z
Smart POS Terminals
WISEASY P3 WISEASY P3 F1 WISEASY P3M WISEASY P3QT WISEASY P3K
WISEASY N5 WISEASY N5 F1 WISEASY N5M
WISEASY T1 WISEASY T1 F1
WISEASY QS
WISEASY BOT2 WISEASY BOT3
WISEASY D1 WISEASY D2 WISEASY D3
P
N
T D
Q
B
Wiseasy Digital Banking Solutions
Architecture
WiseCloud
PayCloud
Account Cloud
Message
Cloud
Wise World
Risk
Management
Cloud
Cloud
Infrastructure
Business Platform
Application
Software
Terminal Hardware
Bill
Payment
E-Top Up
Cash in
&
Cash out
EKYC
Wise
Cashier
Wise
Boss
Wiseasy
Wallet
Wise Match
System
Micro ATM
System
Telecom Billing
Platform
Unified Utilities
Billing Platform
Lottery
Platform
Acquiring
System
Mobile Wallet
Platform
Cash-in
Cash-out
Lottery
The Development Path of Digital Banking
Finance Service
Finance Innovation
Lifestyle Service
Platform Based
Payment Service
Account Based
(Connect Consumers and Agents)
(+ Connect Merchants, Industry Partners)
(+ Connect Financial Institutions)
Cash in Transfer Cash out
Buy airtime Entertainment Pay bill
Merchant Payment
e-Commerce
Credit(Consumer) Business Loan
Investment Insurance
Savings
Mobile Wallet Digital Counter Mobile Payment/Finance
Entrance to Build Digital Banks
Bank the unbanked (Account opening)
Basic financial service (Transfer &
payment)
Initialize the digital bank account;
Building Basic Network of Digital
Banks
Serve mobile wallet users (Deposit &
withdraw)
Develop the merchants as branches;
Build a digital bank basic service
network;
Strategic Focus on Building
Digital Banks
Expanding mobile wallet payment scenarios;
Provide value-added service and financial
service (public utilities payment/personal bill
payment/financial loans/wealth management)
Wiseasy Agency Banking
Wiseasy Agency Banking, a cost-effective digital banking solution based
on safe, professional and certified smart POS terminals and cloud
services which can greatly reduce the cost of bank business expansion by
grasping functions only physical counters could in the past. It can provide a
series of financial services, including account opening, transfer, deposit
and withdrawal, loan, insurance, bill payment, etc.
Bank/FI 3rd party service provider
Agent
Agency BankingWiseasy
Agent
. . .
. . . . . .
Customer Customer Customer Customer Customer
Agency Banking is an alternative distribution
strategy in which traditional retail banking and
financial institutions use authorized agents to
expand the branch network in a cost-efficient
manner. Goal of agency banking is to bank the
unbanked and provide very basic financial services
as cash-in, cash-out, transfer. Agency banking
promotes financial inclusion as it makes it possible
to reach more people and more locations in a very
cost-effective manner,.
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Fixed Deposit
Query
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
Customer
Agency Banking
Wiseasy Agency Banking
Basic Functions
 Customer Onboarding
 Deposit
 Transfer
 Cash Withdrawl
 Statement
WiseCounter Cloud
 Account Management
 Agent Management
 Service Management
 Reconciliation
 Settlement
Agent Services
 Agent Commission
 Cashier Management
 Merchant Payment
 Query
 Receipt
Comprehensive Services
 Bill Payment
 Loan Management
 Interbank Transfer
 Insurance
 Cross Border Remittance
Function Modules
System Workflow Diagram
Agent with WPOS-3
Powered by Wiseasy
Core Banking System
Customer
Open Account
Deposit/Transfer/Withdrawl
Transaction
Settlement Report
Deposit Cash
Withdraw Cash
Settlement
Information Flow
Fund Flow
Wise Billing
Third Party Service Provider
Wiseasy Agency Banking
Request to Backend for
Processing Agency Banking
Back Office
FRONT-END AGENT APP PORTAL OPERATION MANAGEMENT SYSTEM
INTERFACE LAYER
CORE SERVICE
Agent Management Customer Management
Administration
Fee
Message Template
Commission
Reconciliation
Reporting
Dashboard
Cash Deposit Cash Withdrawal Transfer
Account Opening
Mini Program
Enquiry
Workflow
Security Setting Logs
Error Handling
Mini Statement
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
3RD PARTY SYSTEM
TELECOM
OPERATOR
UTILITIES
INSURANCE
TRANSPORT
TICKET
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
E-VOUCHER
BETTING
. . .
CBS
Wiseasy Agency Banking
Product Architecture
Wiseasy Agency Banking
Agent Application
By 2025, we expect digital banking solutions to predominate around the world. Banks will revolutionize their customer
acquisition strategies and improved customer satisfaction by reducing overall costs both for banks themselves and their
customers.
Simplified Onboarding
24/7 Full-service banking
Cost Effective
Increased Personalization
Process Automation
Before After
Complicated process and offline
outlets were needed
Simplified process, semi-self-
handled onboarding
Serve limited customers at offline
outlets during business hours
Serve customers anytime,
anywhere
A lot of manpower and resources
are needed
Can not meet the personalized
needs of customers
Affected by human factors,
resulting in errors and losses
Serve your clients in a very cost-
effective way
Offer personalized services using
big data and machine learning
Process automation reduces
errors and costs
Wiseasy Agency Banking
Advantages
Case Study
– Micro Finance Service Solution
We provided smart POS terminals for the "Jin Xiang Tong" service network project launched by the Hunan Branch of China
Construction Bank. Based on WPOS-3, our terminals enable the service outlets to provide traditional financial services such as
assistance to farmers, small deposits, money transfer, card transaction, bill payment and other services to local county and
township citizens and farmers. Meanwhile, our terminals also empower the service outlets with the non-financial services such as
China Unicom SIM card activation, telephone bill payment, China Unicom electronic coupon consumption, logistics distribution,
etc.
China Construction Bank
Case Study
– Agency Banking Solution
For suburbs in India, Wiseasy provided FINO Payments Bank with an agency banking solution equipped with hardware and software.
Agency Banking application installed on Wiseasy P3 F1 was deployed in local communities to provide cash in, cash out, withdrawals,
cross border remittance and other financial services at agent outlets. This has given a new banking experience to the bank‘s
customers. To date, a good number of 1200 agent outlets has been established by the bank.
Wiseasy provides customized micro-finance solutions for community banks. Our handheld terminals
enable convenient living and financial services to reach a wider population.
Indian Fino Payments Bank
Wiseasy Wallet
Wiseasy Wallet, a cloud based mobile wallet that comes with a fine-
tuned mobile application as well as account and business management
portals. Wise Wallet offers basic financial services (account opening,
transfer, top-up, withdrawal), as well as value-added services
(applicable for bill payments, ecommerce platforms, etc.). Mobile wallet
has become fundamental for banks and financial institutions to digitize
accounts, businesses, and operating platforms.
Digital Wallet
Bank/FI
Digital WalletWiseasy
Payment Processor/Switch
Wallet User1 Wallet User2 Wallet Usern
…….
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Payment
Loyalty
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
In 2014, researchers from NYU’s Center of Genomics and System Biology
identified nearly 3000 types of bacteria from dollar bills. The pandemic is
fast forwarding us to a cashless society and making life harder for the
unbanked. With a digital wallet, unbanked users may yet the very basic
financial services like deposit, withdrawal, transfer and payment.
On the Go
Use your wallet to pay wherever you see the contactless symbol by
holding your phone up to the symbol on the terminal
Online
When shopping online, select digital wallet as your payment option at
checkout and pay by scanning the QR code in stead of entering card
information online
In App
Use your digital wallet to pay for bus, metro, taxi, groceries, food
delivery, morning coffee etc.
ATM
Add your debit card to your digital wallet and get cash or make deposits
using your phone at ATMs or agent booth. Scan/Tap for deposit and
withdrawl
Basic Functions
 Merchant/Customer Onboarding
 Card/Account Management
 Transfer
 Statement
 Merchant Wallet Management
WiseWallet Backend
 Customer Management
 Payment Service Management
 Operations
 Accounting
 Security Management
Enterprise Services
 Agent Wallet Management
 Commission Management
 Project Management
 Data Analytics
 API for Agents and Merchants
Comprehensive Services
 Loyalty
 Loan Management
 Interbank Transfer
 Insurance
 Bill Payment
 Cross Border Remittance
Wiseasy Wallet
Function Modules
Wiseasy Wallet
System Workflow Diagram
Powered by Wiseasy
Processor/Switch/Bank
Wiseasy Wallet User
Open Account
Deposit/Transfer/Withdrawl Transaction
Settlement Report
Deposit Cash
Withdraw Cash Settlement
Information Flow
Fund Flow
Agent with WPOS-3
Other Banks/FI/Loan Provider
Settlement
Transaction
Settlement Report
Wiseasy Wallet
Back Office
Wiseasy Wallet
Mobile Application
(iOS & Android)
Back-end System
API
Gateway
API Gateway
Switch
Service
KYC
Service
Wallet
Service
Audit
Service
QR Code
Service
Merchant
Service
Agent
Service
Customer
Service
Transaction
Service
Accounting
Service
Commission
Service
Fees
Service
OTP
Service
Notification
Service
Dispute
Service
Customer
Case Service
Stand-in
Service
Reporting
Service
Merchant
Service
Loyalty
Service
Data Lake
BlockCahin
Distributed
Repository
CRM
Billing
Accounting
Administartion
SQL Databases Caching No SQL Databases Customer existing Databases
HSM / Data Integrity Control
System Structure
 Virtual Wallet with unlimited possibilities
 Easily complete the distribution of digital accounts
 Extend payments to variety of offline scenarios
 Comes with an in-house built h5 page
 Modules are designed as micro services which can be
enabled and disabled anytime, anywhere
Wiseasy Wallet
Advantages
Case Study
– Wiseasy Wallet in School Scenario
Considering safety of children during global pandemic, we provided smart campus solution that’s a combination of digital wallet,
school management modules and smart POS terminals for cash in, cash out and payment. This solution has been adopted across
Thailand and deployed in 12 primary and high schools. A total number of about 17000 users which includes Students, Teachers,
school employees and Parents are using this solution proactively as it has provided new payment experience whereas others are still
paying with cash. User wallets can be topped up with any bank card as well as by cash in feature at an agent shop.
Wiseasy Acquiring System
Wiseasy Acquiring System, a one-stop mobile payment solution with
tailored merchant application and management portal that support
multiple mobile wallet systems simultaneously. Its transaction processing
system supports enormous transactions and flexible expansion, merchant
and agent management system can realize acquiring services of multilayer
agents and chain merchant accounts. Comes with a unified payment
gateway and advanced container technology that enables flawless remote
deployment on the cloud. It is a complete payment solution for banks
and acquiring institutions.
Wiseasy Acquiring System Architecture
Wallet User
Scan QR Code
Merchant
Payment Request
Acquring
SystemWiseasy
Payment Request
QR Code Schemes
VISA
MasterCard
UnionPay
WeChat Pay
JCB
Alipay
Google
Pay
Acquiring Bank/Institution
Apple Pay
Payment Notification
Settlement Report
Reconciliation
Settlement
Information Flow
Fund Flow
Wiseasy Acquiring System
Transaction Workflow Diagram
Open Service Gateway
Payment APP API Registration Access Authentication API Service Router
Payment Services
Payment Processing Transaction Management
Payment Channel Acquiring Product
Agent Comission Contract Merchant Comission
Conract
Accounting Services
Reconciliation Merchant Settlement
Agent Settlement
Clearing Services Acquirier Settlement
Settlement
Merchant & Partner Services
Merchant Onboarding Agent Onboarding Store/Terminal Management KYC Work Order
Basic Services
User Management Role Management System Logs Fraud Management
Analytics
Transaction Data Analytics Agent Data Analysis Merchant Data Analysis Acuirer Statistics
Business
Management
Gateway
Operation Management Platform
Agent Platform
Merchant Platform
POS Application
Cashier Server
Static QR Code
H5 Checkout
Android/iOS Application H5 Mobile App Web Application
Merchant Sales System (ERP System)
Internal API Gateway Open API Gateway/SDK
Wiseasy Acquiring System
Function Modules
Merchant
Management
Platform
Merchant
Agent Service
Platform
Agent
White Label Merchant & Agent Management Middleware
Merchant & Agent Portal
Direct Merchant Acquisition and Onboarding Services
KYC Verification (Along with EKYC)
NAC Services
PG Integration Services
Terminal Management Services
Day to Day Merchant Operations Support through 24 X 7
Help Desk (Online/Offline Support)
Settlement Services
Reconciliation Services
Customized API’s, Dashboards and Reports
01
02
03
04
05
06
07
08
09
10
11
Wiseasy Acquiring System
Merchant & Agent Platform
Reduced financial & reputational loss
Reduced sophisticated fraud across channels
Lower operational costs
Reduced false positives
Regulatory compliance
01
02
03
04
05
Wiseasy Acquiring System
Fraud Risk Management
A complete mobile payment
operation system for acquiring
institutions
Products and services cover
online + offline full payment
scenarios
Perfect integration with Wiseasy
intelligent terminal management
tool
Payment service based on fully
open API design and cloud based
Payment as a Cloud Service
Provide complete basic operation services for mobile payment practitioners
Wiseasy Acquiring System
Advantages
Case Study
– Acquiring Platform
In 2018, Wiseasy provided Canada‘s payment service provider SnapPay with a one-stop payment solution. The whole solution was
deployed in AWS private cloud. With this solution, SnapPay is able to serve merchants and acquirers from a good number of
industries with multi-dimensional payment scenarios.
Micro Service & Applications
Micro Service Function Modules
Dynamic QR Static QR In App Payment H5 Payment Online Payment Quick Pay USSD Payment Pre-Authorization
Payment Product
Merchant Management
Wealth Management
Marketing Toolkit
Agency Banking
Open Connection
Onboarding Analyze Transaction Detail Store
Management
Clerk
Management
Terminal
Management
Settlement B2C Payment B2B Payment Overdraft Micro Loan Interest Product Insurance
Discount Coupon Cashback Buy Now Pay Later Loyalty Club
KYC On-boarding Micro ATM Utilities Bills Top up Game Points Distribution
Open API Web hook Facebook Instagram Link Bank Card
Wiseasy E-KYC Solution
The main key objective of Wiseasy E-KYC Solution is to create a standardized platform between Financial
Institutions to increase KYC quality and customer experience by a unified KYC process for participating Financial
Institutions .
Traditional KYC Wiseasy E-KYC
 Live image capture (3D Face-
recognition)
 Customer consent (Signature)
 Optical Character Recognition
(Banks, Insurance)
 Biometrics (thumb and index
fingerprint)
 GPS positioning
Wiseasy E-KYC
Case Study
– Telecom E-KYC Solution
According to the actual application scenario of Algerian Mobile operator Djezzy, we provide a combination of hardware terminals
with integrated software solution, which supports the identification of multiple types of documents such as passports, ID cards,
driving licenses, etc., and further realizes the functions of electronic handwritten signature, A4-paper scanning, fingerprint
identification and receipt printing. With Wiseasy offerings, Djezzy caters to their need of a complete SIM card sales EKYC solutions,
which connects customer identification, SIM card activation and customer information retention under one terminal.
Wiseasy Cashier APP
A standard, flexible, stable payment application, with a complete bank card transaction capacity, mobile payment
capacity. It can be quickly connected to various payment systems, providing an excellent collection experience.
Wiseasy SDK Service
Secure Processor
Card Reader Printer Key
LED Buzzer … …
WiseCloud
DMS APP 3rd Party APP
Payment APP
Bank
Wiseasy Payment APP Architecture
Wiseasy Cashier APP - Capabilities
01
Bankcard Transaction
Purchase
Void
Refund
Reversal
Cash Back
Cash Advance
Balance Inquiry
Pre-Auth
05
Card Operation Type
Contact ICC
Contactless ICC
Magnetic stripe cards
09
Code Payment
POS scan customer
Customer scan POS
Inquiry
Refund
10
Code Payment Acquirer
WeChat
Alipay
UnionPay
MasterpassTM
KBZ Pay
…
04
Key Loading Device
Manual Input
From IC card
Download From Wise Cloud
Download From Bank Acquirer System
06
Param Config
Local Config
Import from SDCard
Download from Wise Cloud
Download from Bank Acquirer System
02
EMV
UPI
Visa
MasterCard
AMEX
JCB
Discover
MIR/RuPay/PURE/NSICCS
03
Key Method
MK/SK
DUKPT
08
Bank Acquirer System
ACI Postilion
OpenWay Way4
GIM UEMOA
HPS PowerCard
NAPS
S2M E-Gate
…
07
Protocol
ISO J8583
JSON
TLV
11
Printer
Local Printer
BT Printer
IP Printer(ESC/POS)
12
Multi-Languages
Chinese, English, French, Russian, Arabic, Spanish
Japanese
Wiseasy Cashier APP- L3 Certifications
Organization Certification Description Support
UnionPay
UTVT UnionPay Terminal Validation Toolkit Yes
UAC UPI Acquiring Certification Test Yes
Visa
ADVT Acquirer Device Validation Toolkit Yes
CDET Contactless Device Evaluation Toolkit Yes
MasterCard MTIP Terminal Integration Process(TIP) Yes
American Express
AEIPS American Express ICC Payment specification(AEIPS) for contact Yes
Express Pay ExpressPay for contactless Yes
Discover E2E Acquirer E2E from Discover Yes
Wiseasy Cashier APP- Payment System
Thank You!
Wiseasy, Workeasy
Web: www.wiseasy.com Email: mk@wiseasy.com
2021.03

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Wiseasy Digital Banking Solution Introduction.pdf

  • 1. DIGITAL BANKING SOLUTION A Gateway To The New World: Wiseasy, Workeasy Web: www.wiseasy.com Email: mk@wiseasy.com
  • 2. CONTENT Wiseasy Agency Banking Wiseasy Wallet Wiseasy Acquiring System Micro Services Company Profile
  • 4. Wiseasy Group is a leading global digital banking and payment builder. The company aims to promote the innovation, development, and application of digital banking solutions and payment technology worldwide by offering smart fintech terminals and rich payment technology services which are able to reach wider demographics with more convenience. By December 2020, Wiseasy has provided fintech products and services to over 250 partners and agencies, including transformational banks, developing acquirers and institutions, growing fintech companies, and expanding mobile operators, in 67 countries and regions worldwide, covering dozens of industries. Who We Are? Wiseasy IoT Ltd. Wiseasy Paycoo+ Ltd. Wiseasy AI Business Unit
  • 5. Wiseasy established Internet Android Terminal P2 launched Android POS passed CUP-P3 Started cooperation with Apple Pay by Apple 2.0 VAS P3 won Red Dot Design Award Handheld Cloud Business Terminal M1 launched Intelligent Business Terminal T1 launched Handheld Could Terminal M2 launched P3 won IF Design Award Established a production line in Brazil AI Service Terminal B3 launched Smart Commercial Terminal N5 launched Mobile payment solution Wise Acquiring launched First foreign subsidiary established Set up overseas factory in Belarus Overseas Technical support center established in Morocco Portable Financial Terminal QT launched QR code Payment Speaker QS1 launched Digital Banking Solution Suite launched (Wise Wallet, Wise Cloud, Wise Acquiring) Listed as Top 10 Mobile Banking Solution Provider in APAC 2020 by Banking CIO Outlook 2012 2014 2015 2016 2017 2018 2019 2020 Our Journey
  • 7. Certifications Multiple international certifications provide full access to payment with security and high-quality terminals. Security Certification Global Payment Certification National Payment Certification Electronics &Telecom Certification
  • 8. All You Need for Smart Business ISO Standards to ensure product quality from A to Z
  • 9. Smart POS Terminals WISEASY P3 WISEASY P3 F1 WISEASY P3M WISEASY P3QT WISEASY P3K WISEASY N5 WISEASY N5 F1 WISEASY N5M WISEASY T1 WISEASY T1 F1 WISEASY QS WISEASY BOT2 WISEASY BOT3 WISEASY D1 WISEASY D2 WISEASY D3 P N T D Q B
  • 10. Wiseasy Digital Banking Solutions Architecture WiseCloud PayCloud Account Cloud Message Cloud Wise World Risk Management Cloud Cloud Infrastructure Business Platform Application Software Terminal Hardware Bill Payment E-Top Up Cash in & Cash out EKYC Wise Cashier Wise Boss Wiseasy Wallet Wise Match System Micro ATM System Telecom Billing Platform Unified Utilities Billing Platform Lottery Platform Acquiring System Mobile Wallet Platform Cash-in Cash-out Lottery
  • 11. The Development Path of Digital Banking Finance Service Finance Innovation Lifestyle Service Platform Based Payment Service Account Based (Connect Consumers and Agents) (+ Connect Merchants, Industry Partners) (+ Connect Financial Institutions) Cash in Transfer Cash out Buy airtime Entertainment Pay bill Merchant Payment e-Commerce Credit(Consumer) Business Loan Investment Insurance Savings Mobile Wallet Digital Counter Mobile Payment/Finance Entrance to Build Digital Banks Bank the unbanked (Account opening) Basic financial service (Transfer & payment) Initialize the digital bank account; Building Basic Network of Digital Banks Serve mobile wallet users (Deposit & withdraw) Develop the merchants as branches; Build a digital bank basic service network; Strategic Focus on Building Digital Banks Expanding mobile wallet payment scenarios; Provide value-added service and financial service (public utilities payment/personal bill payment/financial loans/wealth management)
  • 12. Wiseasy Agency Banking Wiseasy Agency Banking, a cost-effective digital banking solution based on safe, professional and certified smart POS terminals and cloud services which can greatly reduce the cost of bank business expansion by grasping functions only physical counters could in the past. It can provide a series of financial services, including account opening, transfer, deposit and withdrawal, loan, insurance, bill payment, etc.
  • 13. Bank/FI 3rd party service provider Agent Agency BankingWiseasy Agent . . . . . . . . . Customer Customer Customer Customer Customer Agency Banking is an alternative distribution strategy in which traditional retail banking and financial institutions use authorized agents to expand the branch network in a cost-efficient manner. Goal of agency banking is to bank the unbanked and provide very basic financial services as cash-in, cash-out, transfer. Agency banking promotes financial inclusion as it makes it possible to reach more people and more locations in a very cost-effective manner,. Open Account Cash Deposit Cash Withdrawl Transfer Fixed Deposit Query Mini Statement Information Update Mobile Top-up Bill Payment Loan Insurance Customer Agency Banking
  • 14. Wiseasy Agency Banking Basic Functions  Customer Onboarding  Deposit  Transfer  Cash Withdrawl  Statement WiseCounter Cloud  Account Management  Agent Management  Service Management  Reconciliation  Settlement Agent Services  Agent Commission  Cashier Management  Merchant Payment  Query  Receipt Comprehensive Services  Bill Payment  Loan Management  Interbank Transfer  Insurance  Cross Border Remittance Function Modules
  • 15. System Workflow Diagram Agent with WPOS-3 Powered by Wiseasy Core Banking System Customer Open Account Deposit/Transfer/Withdrawl Transaction Settlement Report Deposit Cash Withdraw Cash Settlement Information Flow Fund Flow Wise Billing Third Party Service Provider Wiseasy Agency Banking Request to Backend for Processing Agency Banking Back Office
  • 16. FRONT-END AGENT APP PORTAL OPERATION MANAGEMENT SYSTEM INTERFACE LAYER CORE SERVICE Agent Management Customer Management Administration Fee Message Template Commission Reconciliation Reporting Dashboard Cash Deposit Cash Withdrawal Transfer Account Opening Mini Program Enquiry Workflow Security Setting Logs Error Handling Mini Statement I N T E R F A C E L A Y E R 3RD PARTY SYSTEM TELECOM OPERATOR UTILITIES INSURANCE TRANSPORT TICKET I N T E R F A C E L A Y E R E-VOUCHER BETTING . . . CBS Wiseasy Agency Banking Product Architecture
  • 18. By 2025, we expect digital banking solutions to predominate around the world. Banks will revolutionize their customer acquisition strategies and improved customer satisfaction by reducing overall costs both for banks themselves and their customers. Simplified Onboarding 24/7 Full-service banking Cost Effective Increased Personalization Process Automation Before After Complicated process and offline outlets were needed Simplified process, semi-self- handled onboarding Serve limited customers at offline outlets during business hours Serve customers anytime, anywhere A lot of manpower and resources are needed Can not meet the personalized needs of customers Affected by human factors, resulting in errors and losses Serve your clients in a very cost- effective way Offer personalized services using big data and machine learning Process automation reduces errors and costs Wiseasy Agency Banking Advantages
  • 19. Case Study – Micro Finance Service Solution We provided smart POS terminals for the "Jin Xiang Tong" service network project launched by the Hunan Branch of China Construction Bank. Based on WPOS-3, our terminals enable the service outlets to provide traditional financial services such as assistance to farmers, small deposits, money transfer, card transaction, bill payment and other services to local county and township citizens and farmers. Meanwhile, our terminals also empower the service outlets with the non-financial services such as China Unicom SIM card activation, telephone bill payment, China Unicom electronic coupon consumption, logistics distribution, etc. China Construction Bank
  • 20. Case Study – Agency Banking Solution For suburbs in India, Wiseasy provided FINO Payments Bank with an agency banking solution equipped with hardware and software. Agency Banking application installed on Wiseasy P3 F1 was deployed in local communities to provide cash in, cash out, withdrawals, cross border remittance and other financial services at agent outlets. This has given a new banking experience to the bank‘s customers. To date, a good number of 1200 agent outlets has been established by the bank. Wiseasy provides customized micro-finance solutions for community banks. Our handheld terminals enable convenient living and financial services to reach a wider population. Indian Fino Payments Bank
  • 21. Wiseasy Wallet Wiseasy Wallet, a cloud based mobile wallet that comes with a fine- tuned mobile application as well as account and business management portals. Wise Wallet offers basic financial services (account opening, transfer, top-up, withdrawal), as well as value-added services (applicable for bill payments, ecommerce platforms, etc.). Mobile wallet has become fundamental for banks and financial institutions to digitize accounts, businesses, and operating platforms.
  • 22. Digital Wallet Bank/FI Digital WalletWiseasy Payment Processor/Switch Wallet User1 Wallet User2 Wallet Usern ……. Open Account Cash Deposit Cash Withdrawl Transfer Payment Loyalty Mini Statement Information Update Mobile Top-up Bill Payment Loan Insurance In 2014, researchers from NYU’s Center of Genomics and System Biology identified nearly 3000 types of bacteria from dollar bills. The pandemic is fast forwarding us to a cashless society and making life harder for the unbanked. With a digital wallet, unbanked users may yet the very basic financial services like deposit, withdrawal, transfer and payment. On the Go Use your wallet to pay wherever you see the contactless symbol by holding your phone up to the symbol on the terminal Online When shopping online, select digital wallet as your payment option at checkout and pay by scanning the QR code in stead of entering card information online In App Use your digital wallet to pay for bus, metro, taxi, groceries, food delivery, morning coffee etc. ATM Add your debit card to your digital wallet and get cash or make deposits using your phone at ATMs or agent booth. Scan/Tap for deposit and withdrawl
  • 23. Basic Functions  Merchant/Customer Onboarding  Card/Account Management  Transfer  Statement  Merchant Wallet Management WiseWallet Backend  Customer Management  Payment Service Management  Operations  Accounting  Security Management Enterprise Services  Agent Wallet Management  Commission Management  Project Management  Data Analytics  API for Agents and Merchants Comprehensive Services  Loyalty  Loan Management  Interbank Transfer  Insurance  Bill Payment  Cross Border Remittance Wiseasy Wallet Function Modules
  • 24. Wiseasy Wallet System Workflow Diagram Powered by Wiseasy Processor/Switch/Bank Wiseasy Wallet User Open Account Deposit/Transfer/Withdrawl Transaction Settlement Report Deposit Cash Withdraw Cash Settlement Information Flow Fund Flow Agent with WPOS-3 Other Banks/FI/Loan Provider Settlement Transaction Settlement Report Wiseasy Wallet Back Office
  • 25. Wiseasy Wallet Mobile Application (iOS & Android) Back-end System API Gateway API Gateway Switch Service KYC Service Wallet Service Audit Service QR Code Service Merchant Service Agent Service Customer Service Transaction Service Accounting Service Commission Service Fees Service OTP Service Notification Service Dispute Service Customer Case Service Stand-in Service Reporting Service Merchant Service Loyalty Service Data Lake BlockCahin Distributed Repository CRM Billing Accounting Administartion SQL Databases Caching No SQL Databases Customer existing Databases HSM / Data Integrity Control System Structure
  • 26.  Virtual Wallet with unlimited possibilities  Easily complete the distribution of digital accounts  Extend payments to variety of offline scenarios  Comes with an in-house built h5 page  Modules are designed as micro services which can be enabled and disabled anytime, anywhere Wiseasy Wallet Advantages
  • 27. Case Study – Wiseasy Wallet in School Scenario Considering safety of children during global pandemic, we provided smart campus solution that’s a combination of digital wallet, school management modules and smart POS terminals for cash in, cash out and payment. This solution has been adopted across Thailand and deployed in 12 primary and high schools. A total number of about 17000 users which includes Students, Teachers, school employees and Parents are using this solution proactively as it has provided new payment experience whereas others are still paying with cash. User wallets can be topped up with any bank card as well as by cash in feature at an agent shop.
  • 28. Wiseasy Acquiring System Wiseasy Acquiring System, a one-stop mobile payment solution with tailored merchant application and management portal that support multiple mobile wallet systems simultaneously. Its transaction processing system supports enormous transactions and flexible expansion, merchant and agent management system can realize acquiring services of multilayer agents and chain merchant accounts. Comes with a unified payment gateway and advanced container technology that enables flawless remote deployment on the cloud. It is a complete payment solution for banks and acquiring institutions.
  • 29. Wiseasy Acquiring System Architecture
  • 30. Wallet User Scan QR Code Merchant Payment Request Acquring SystemWiseasy Payment Request QR Code Schemes VISA MasterCard UnionPay WeChat Pay JCB Alipay Google Pay Acquiring Bank/Institution Apple Pay Payment Notification Settlement Report Reconciliation Settlement Information Flow Fund Flow Wiseasy Acquiring System Transaction Workflow Diagram
  • 31. Open Service Gateway Payment APP API Registration Access Authentication API Service Router Payment Services Payment Processing Transaction Management Payment Channel Acquiring Product Agent Comission Contract Merchant Comission Conract Accounting Services Reconciliation Merchant Settlement Agent Settlement Clearing Services Acquirier Settlement Settlement Merchant & Partner Services Merchant Onboarding Agent Onboarding Store/Terminal Management KYC Work Order Basic Services User Management Role Management System Logs Fraud Management Analytics Transaction Data Analytics Agent Data Analysis Merchant Data Analysis Acuirer Statistics Business Management Gateway Operation Management Platform Agent Platform Merchant Platform POS Application Cashier Server Static QR Code H5 Checkout Android/iOS Application H5 Mobile App Web Application Merchant Sales System (ERP System) Internal API Gateway Open API Gateway/SDK Wiseasy Acquiring System Function Modules
  • 32. Merchant Management Platform Merchant Agent Service Platform Agent White Label Merchant & Agent Management Middleware Merchant & Agent Portal Direct Merchant Acquisition and Onboarding Services KYC Verification (Along with EKYC) NAC Services PG Integration Services Terminal Management Services Day to Day Merchant Operations Support through 24 X 7 Help Desk (Online/Offline Support) Settlement Services Reconciliation Services Customized API’s, Dashboards and Reports 01 02 03 04 05 06 07 08 09 10 11 Wiseasy Acquiring System Merchant & Agent Platform
  • 33. Reduced financial & reputational loss Reduced sophisticated fraud across channels Lower operational costs Reduced false positives Regulatory compliance 01 02 03 04 05 Wiseasy Acquiring System Fraud Risk Management
  • 34. A complete mobile payment operation system for acquiring institutions Products and services cover online + offline full payment scenarios Perfect integration with Wiseasy intelligent terminal management tool Payment service based on fully open API design and cloud based Payment as a Cloud Service Provide complete basic operation services for mobile payment practitioners Wiseasy Acquiring System Advantages
  • 35. Case Study – Acquiring Platform In 2018, Wiseasy provided Canada‘s payment service provider SnapPay with a one-stop payment solution. The whole solution was deployed in AWS private cloud. With this solution, SnapPay is able to serve merchants and acquirers from a good number of industries with multi-dimensional payment scenarios.
  • 36. Micro Service & Applications
  • 37. Micro Service Function Modules Dynamic QR Static QR In App Payment H5 Payment Online Payment Quick Pay USSD Payment Pre-Authorization Payment Product Merchant Management Wealth Management Marketing Toolkit Agency Banking Open Connection Onboarding Analyze Transaction Detail Store Management Clerk Management Terminal Management Settlement B2C Payment B2B Payment Overdraft Micro Loan Interest Product Insurance Discount Coupon Cashback Buy Now Pay Later Loyalty Club KYC On-boarding Micro ATM Utilities Bills Top up Game Points Distribution Open API Web hook Facebook Instagram Link Bank Card
  • 38. Wiseasy E-KYC Solution The main key objective of Wiseasy E-KYC Solution is to create a standardized platform between Financial Institutions to increase KYC quality and customer experience by a unified KYC process for participating Financial Institutions . Traditional KYC Wiseasy E-KYC  Live image capture (3D Face- recognition)  Customer consent (Signature)  Optical Character Recognition (Banks, Insurance)  Biometrics (thumb and index fingerprint)  GPS positioning Wiseasy E-KYC
  • 39. Case Study – Telecom E-KYC Solution According to the actual application scenario of Algerian Mobile operator Djezzy, we provide a combination of hardware terminals with integrated software solution, which supports the identification of multiple types of documents such as passports, ID cards, driving licenses, etc., and further realizes the functions of electronic handwritten signature, A4-paper scanning, fingerprint identification and receipt printing. With Wiseasy offerings, Djezzy caters to their need of a complete SIM card sales EKYC solutions, which connects customer identification, SIM card activation and customer information retention under one terminal.
  • 40. Wiseasy Cashier APP A standard, flexible, stable payment application, with a complete bank card transaction capacity, mobile payment capacity. It can be quickly connected to various payment systems, providing an excellent collection experience. Wiseasy SDK Service Secure Processor Card Reader Printer Key LED Buzzer … … WiseCloud DMS APP 3rd Party APP Payment APP Bank Wiseasy Payment APP Architecture
  • 41. Wiseasy Cashier APP - Capabilities 01 Bankcard Transaction Purchase Void Refund Reversal Cash Back Cash Advance Balance Inquiry Pre-Auth 05 Card Operation Type Contact ICC Contactless ICC Magnetic stripe cards 09 Code Payment POS scan customer Customer scan POS Inquiry Refund 10 Code Payment Acquirer WeChat Alipay UnionPay MasterpassTM KBZ Pay … 04 Key Loading Device Manual Input From IC card Download From Wise Cloud Download From Bank Acquirer System 06 Param Config Local Config Import from SDCard Download from Wise Cloud Download from Bank Acquirer System 02 EMV UPI Visa MasterCard AMEX JCB Discover MIR/RuPay/PURE/NSICCS 03 Key Method MK/SK DUKPT 08 Bank Acquirer System ACI Postilion OpenWay Way4 GIM UEMOA HPS PowerCard NAPS S2M E-Gate … 07 Protocol ISO J8583 JSON TLV 11 Printer Local Printer BT Printer IP Printer(ESC/POS) 12 Multi-Languages Chinese, English, French, Russian, Arabic, Spanish Japanese
  • 42. Wiseasy Cashier APP- L3 Certifications Organization Certification Description Support UnionPay UTVT UnionPay Terminal Validation Toolkit Yes UAC UPI Acquiring Certification Test Yes Visa ADVT Acquirer Device Validation Toolkit Yes CDET Contactless Device Evaluation Toolkit Yes MasterCard MTIP Terminal Integration Process(TIP) Yes American Express AEIPS American Express ICC Payment specification(AEIPS) for contact Yes Express Pay ExpressPay for contactless Yes Discover E2E Acquirer E2E from Discover Yes
  • 43. Wiseasy Cashier APP- Payment System
  • 44. Thank You! Wiseasy, Workeasy Web: www.wiseasy.com Email: mk@wiseasy.com 2021.03