Presentation money 2.0

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Presentation Money 2.0 payment system, based on electronic coin.Mobile payment system on any mobile device or iPhone.

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EVOLUTION OF PAYMENTS

- Internet payments- Mobile payments- Regular payments- Instant payments- Money transfers

MONEY 2.0

KEY SYSTEM ELEMENTS

Issue bank, providing cover of electronic money; Payment System providing for technological

procedures of money issue and development of business processes;

Business environment for electronic money circulation and use – a product of mutual operation of the bank and the payment system;

PROJECT TARGETS Implementation of a unified environment for both

electronic money circulation and instant money transfers;

Providing possibilities of self-service to the bank clients;

Implementation of the comprehensive mobile banking concept;

Acquiring competitive advantages as compared to all existing payment systems, markets and business models.

THE CORE OF “MONEY 2.0” SYSTEMElectronic Coin

ELECTRONIC COIN – PAYMENTS ONLINE AND IN THE REAL WORLD

Electronic coin features

THE COIN CAN BE INCORPORATED IN:

MOBILE PHONE = WALLET!

MOBILE PHONE = PAYMENT TERMINAL!

“MONEY 2.0” ON THE WEB

MEMBER AREA

‘iPHONE’ HOLDERS ARE OUR CLIENTS! o There are at least 200 000 people having iPhones in Ukraine and their number keeps growing;o Quick access to the web client – AppStore supermarket;

 

 o 95% of iPhone holders are active Internet and services users;o PayPal software downloads on the first day of publishing – 1 million times.

EVERYTHING IS VERY SIMPLE…

BASIC COIN TRANSACTIONS Transfer/Payment +% Change +% Consolidation +% Change of personal data +% Coin redemption +% Nominal value checking Replenishment

CHANGE

PAYMENT TRANSFER

RECHARGE

WHERE TO BUY? (PUTTING MONEY INTO THE SYSTEM)

Internet Web shops Web Currency Exchange resources Bank website

Client-bank Ordering and paying for coins via one’s own member area

ATM of the issue bank Partners bank

Payment terminals (cash-in) POS terminals

Mobile phone SMS

Prepaid cards

SELF-SERVICE PAYMENT TERMINALS (CASH-IN)

HOW TO SELL MONEY 2.0? (REDEEM)

Internet Transfer to bank card

Client-bank Transfer to personal bank account

ATM Purchasing goods via ATM

Payment terminal Purchasing goods via terminals

Mobile Phone Transfer of fund balance to mobile subscriber

account Prepaid service terminals

Exchange to prepaid provider cards (sale)

WHERE DO I USE IT?

In the Internet: bank website, web shops, sites;

Mobile phone: at the mobile web portal by using respective mobile phone application;

Payment terminals: payment for goods, no cash required;

POS; ATM; GAS Station; Other.

WEB-SHOP – UKRSHOP.COM

SALE OF COIN

PAYMENT BY COIN

EXTRA OPPORTUNITIES

The coin number can match a phone number; The coin number can match a bank account

number; Personal coin fees (for dealers, merchants,

agents); And many other cool stuff.

EXTRA FEATURES OF THE COIN Personification – a coin can be associated with a

physical person or a legal entity according to respective contract concluded with the Issue bank;

Multiplicity – a personified client may have any amount of coins of various currencies;

For each coin the history of transactions is kept; The coin can be integrated with a personal

device such as mobile phone or a smart-card; Active/inactive status – the Issue bank monitors

status of coins and reissues them in case of need

INTEGRATION WITH EXTERNAL ENVIRONMENT

Integration of the coin with a National Mass Electronic Payment System smart-card;

Keeping the coin in a mobile phone (requires installing a special application);

The coin can be integrated with an NFC phone; The coin is activated within client-bank system; Client of electronic banking system = bank teller; All the other API integration methods.

NFC Instant NFC payments and services

- Banking and finance management (self-supervision of accounts);- On-line and Off-line payments in the same environment;- Regular payments (automatic payment);- Information servicing (responding to inquiries, consultancy, other services);- Transport and Entertainment (e-tickets);- Insurance, medicine and civil services;- Security, Identification and Personification.

VERSATILITY

Instant money transfers between physical persons and payments to legal entities (P2P/P2B): By using a mobile phone; By using a smart-card; Via Internet; By means of prepaid electronic bills; Via sensor self-service terminals.

Mobile phone (other personal device): does not require installation of extra software or any specialized cards regardless of mobile communication service provider. Payments are performed using BlueTooth and NFC technologies;

Smart-cards – contact cards (National Mass Electronic Payment System cards), plastic cards;

Smart-cards – proximity cards (NFC – near field communications), plastic cards, stickers;

Card readers – a gadget capable of reading and identifying a card or other devices;

ACCESSIBILITY

ACTIVATION OF AVAILABLE BANK SERVICES

Growth of bank clients number: 1 000 000 System users (clients) in 1-2 years. Growth up to 5-7 mln during 7-8 years;

Average daily closing balance of clients’ accounts: from UAH 100.00 per physical person and by UAH 1,000.00 per legal entity (cashing out restriction);

Cutting costs of bank infrastructure maintenance (implementation of Internet-banking and payment technologies allowed Bank of America to make redundant 10% of its branches);

At least a twofold increase of money transfer transactions made via available cash transfer systems;

Instant micro- and nano crediting and services to bank clients; Single point of contact for making all kinds of payments: offering

new financial services (taxes and other charges and payments).

SYSTEM MODEL

Already connected

Mobile communication services

Internet Television Software Periodicals Electronic currencies Payment cards Books Insurance

To be connected in 2010

Utility payments, fiscal and other payments

Tickets Fines Music Video Photo Flowers Gifts other…

IMPLEMENTING “SINGLE POINT OF CONTACT”WWW.UKRSHOP.COM

MARKETS AND CASH FLOWS

Digital goods: movies, CD, DVD, mp3 music, audio-books, e-books, photo, software;

Mobile content, mobile communication service providers, PIN-codes;

Domestic long distance and world communication, IP telephony, Internet access;

Periodicals and newspapers, reference information;

Housing and utility service payments, television;

Internet services, hosting, domains, mail services, web design;

Casino, gaming and entertainment portals, online games;

Meetings, chats, forums, blogs; Health and beauty, sports ware,

perfumes and cosmetics;

Charity, psychological support, social networks

Education, research papers, diplomas, translations;

Advertisement and marketing, promotion and optimization

Finances, insurance, Forex, payment systems, depositing and cashing out electronic currencies, electronic currency exchange;

Legal services, business analysis; Tourism services, avia and railway

tickets, hotels; Household goods, food products,

gifts, accessories, children’s goods; Other…

CONTACTS

Thank you for your attention!We shall be happy to answer

your questions

Payment Systems Ltd.info@paymentsystems.com.ua

Tel./Fax: +38 044 585 8983