Unified Payment PlatformPayment Pos Server Fraud Detection Server Reconciliation Server Autobill Server

e-Point Server Mobile Payment Server

Securing Payment & Beyond

Infinitium E-Payment is a Unified Payment Platform designed for enterprise level merchant to provide comprehensive online transaction and payment capability for authorizing, fraud monitoring, payment gateway auto routing and settlement reconciliation across payment modes.

Infinitium E-payment supports a wide range of payment channel such as Web Portal(s), Call Center, Electronic Bill Presentment, Self Service Kiosk and Sales Counter with multiple payment modes such as credit card, e-debit, loyalty point redemption and micro payment within a common platform.

Infinitium E-Payment simplifies your incoming electronic payment process and provides you with a security hardened system, while giving your customers the assurance they need to purchase your goods or services. In short, we make it easy for your customers to pay you securely.

Accepting Payment Online

Payment Solution Overview

API Messaging Broker

Payment POS Server

Dynamic Routing

Fraud Detection Server

Reconciliation Server

Value Added

Paym

ent A

dapt

ors

Multi Channels Payment Modes

Bill Payment

Terminal/Kiosk Sales Counter

Card Not Presence ScenarioE-Debit

Credit/DebitCharge Cards

Micro Payment/ePoint System

Infinitium Payment Server

EPOSMEPS Cash

MobileCommerce

Web Portal (s)Call Centre

MobilePayment

LoyaltySystem

Card Presence Scenario

Ease of Implementation and Scalability• Wide range of configuration options to support both hosted and remotely distributed merchant environment.

• Comprehensive API integration options to integrate with existing legacy system.

• Scalable to support numerous merchant accounts.• Scalable to support large volume of transactions.

• Scalable to support multiple currencies.

• Scalable to support multiple acquiring banks.

• Scalable to support multiple payment adaptors for different payment modes.• Research indicates merchant who accept more than 3 payment methods has higher completion rate.

E-PAYMENT

Infinitium ePayment simplifies online payment processing by providing a reliable, secure, and affordable way to accept payments, no matter what the size of your business.

E-Payment Pipeline

Payment Security Transaction security PCI compliance management5

Global PaymentAcceptance

Multiple Acquiring Merchant Account and Payment Modes.

ProcessingManagement

Technology and Dynamic Routing operations with

processing integrity, interchange management and payment

failure management.

Collection &Reconciliation

Chargeback management and payment reconciliation

operations.

Order andFraud Screening

Fraud Screening Operations associated with automated and

manual order review by risk profiling and scoring.

1 2 3 4

Versatile Payment PlatformSupports various payment format and mechanisms via Payment Adaptor in one

common platform:

• ISO Adaptors for E-POS bank card.

• SSL Adaptors for Credit card and Debit card.

• HTTPS Adaptors for SG Interbank e-Debit (eNETS).

• JAVA Adaptor for Interbank e-Debit (FPX).

• HTTPS Adaptors for China Interbank e-Debit (China UnionPay).

• Phone Adaptors for CTI-based PABX Phone Credit Card.

• WAP Adaptors for WAP and GPRS Credit Card.

• SMS Adaptors for SMS Credit Card.

• MPI Adaptors for VISA’s 3D Secure and MasterCard’s SPA-UCAF.

• Batch Adaptors for off-line transactions.

Industry Standard Security• Built-in Password Policy - System Account lock out and Auto Reminder to change password.

• Fully customizable User Access Control for all functionalities. Ensuring only authorized users are able to view and access sensitive data.

• System hosted on 256bit SSL web server protocol.

• AIS and PCI- DSS compliance.

• Sensitive data are encrypted with MD5 encryption.

• Support Verified-By-Visa and MasterCard’s SecureCode standard with MPI plug-in.

• IP Authentication of merchant web server.

• CVV2/CVC2/CID checking.

• Full SSL encryption for host communications.

Powerful Merchant Administration Tool• Comprehensive transaction management and reporting via web based Merchant Administration Tool giving you access to your online transactions anytime, anywhere.

• Extensive operational control to support a wide range of payment transactions such as Authorization, Sale, Capture, Refund, Reversal, and Batch Settlement.

• Flexibility in selection of operation modes; automatic, manual or both.

Order and Fraud Screening• Every single incoming transaction will go through an automated screening process for Risk Scoring.

• FDS-4 pillars of fraud scoring and profiling to determine Risk Score.

• Automated Screening to reject high risk transaction.• Automated Screening to accept low risk transaction with auto-capture facility. • Routing of medium risk (Red Lane) for manual review by the Fraud team.

Dynamic Routing Engine• Reduce transaction cost with Dynamic Routing Engine based on optimum cost saving for On Us and Off Us transaction.

• Automatically segregate incoming transaction by merchant account for revenue recognition.

• Reduce single point of failure by auto switching to secondary acquiring banks.

• Intelligently route high risk transaction to a separate RED LANE process flow whereby more detail investigation can be carried out.

• Open up more partnership possibilities with more acquiring banks and as a result creates more marketing and promotion opportunities for both parties.

Order and Fraud Screening Process

Processing Management

FDS with 4 PillarsFraud Scoringand Profiling

1st StageAutomated Screen

Manual Reviewwith Fraud Tools

Incoming orders

Authorization: ApprovedFraud Risk: Low

Reject

Reject

automated

automated

automated

Accept

2

1

Online transactions are considered ‘card not present’ transactions and are inherently riskier. Losses incurred from chargeback penalties, inventory loss and shipping costs can exceed the product price alone!

Infinitium Fraud Detection Server (FDS) integrated within the Infinitium E-Payment platform is a very effective solution available to help you minimizes the fraud. FDS provides “risk scoring” for every transaction, based on the fraud parameters configured by you.

Do you know...?

do you know?

ConsumerBrowser

13

4 AuthorizationResponse

2 AuthorizationRequest

GoodsDelivered

5 SettlementRequest

6 Deposited

SSL / 3DSecure

Pay

men

t Ada

ptor

s

Pay

men

t PO

S E

ngin

e

SSL Protocol (128 bit)

AcquiringBank

IssuingBank

Internet

Mobile Phone

SSL(https)

MerchantStorefront

Server

IVR

KIOSK

Authorization: ApprovedFraud Risk: High

Authorization: Decline

Fraud Risk: Low/Medium/High

Authorization: Approved

Fraud Risk: Medium ?

Accept

Fraud Detection Server (FDS) Features

Fraud Detection Server (FDS)FDS reduces the incidences of fraud and controls the risks of card-not-present financial transaction. FDS is tightly integrated with Infinitium E-Payment to provide “risk scoring” for every transaction based on the fraud parameters that you can easily configure. FDS confidentially shares fraud information across all our merchant networks creating a community effect to help one another to manage fraud. If a shopper has done a fraudulent transaction with any of our merchant networks, you will be alerted when this shopper tries to make a purchase.

With FDS in place, the merchant is able to manage and control fraud with confidence. FDS is a robust and integrated solution that combines:

• A comprehensive arsenal of risk management technologies to minimize fraud.

• Control of the order screening process to maximize valid sales and customer satisfaction

• An extensible decision platform that will adapt and grow with the business

• Enterprise-class reliability, availability, security and scalability for efficiency and performance.

MerchantFraudScoring

NetworkFraudProfiling

CustomerTracking

GlobalFraud

Validation

Global Fraud Validation Customer TrackingCustomer Tracking Tools are powerful tools to further verify the identity of your customers and conduct further review to ensure a bona-fide transaction.• Shipping Address Verifier

• Reverse lookup on telephone number

• Domain Verifier.

• Freight Forwarder Verifier.

• IP Locator matching IP to city/state and country.

• BIN Indentifier.• Device Fingerprint based on IMEI/BB PIN/Mobile.

Network Fraud Profiling The centralized Fraud Profiling alerts the merchant with the shopper profile if the shopper has a chargeback record, fraudulent history, used a stolen and/or blacklisted credit card in Infinitium’s FDS network.• Real-time query and matching to Centralized Blacklist database.

• Shared Profiling across our merchant networks.

• New submission for information of fraudulent transaction to the Centralized Blacklisted database by our large pool of merchants that conduct e-commerce transactions worldwide.

Merchant Fraud Scoring Create business-specific rules to enable sophisticated transaction profiling intelligence to be applied.

• Email Verification with correctly formed syntax.

• Free Public Email Address Check.

• Frequency of Purchase.

• Multiple Attempt Indicator.

• Duplicate Purchase Check.

• IP Locator.

• Card and card type matching check.• Velocity Check. • Transaction Footprint Check.• High Risk Shipping Country Check. • High Shipping Cost Check.• High Risk Purchase Hour Check.

• Multiple attempt indicator.• Purchase pattern.• Velocity check.• Free email check.

• Group/Global purchase velocity.• Indentity morphing.• Bad List/Good List DB.• Chargeback record.

• IP Geolocation.• Boarding point (for airlines).• BIN Match.• Shipping/Billing match.• Devices fingerprint IMEI/BB PIN/Mobile.

• AVS, CVV.• 3D Visa-Verified By Visa, MasterCard SecureCode.• Address/Telephone Validation.