CANOPUS EWallet solution for epayment systems

1
CANOPUS E-Wallet solution for e-payment systems
2
CANOPUS E-Wallet is a MacroBank-based solution to
automate payment systems and e-currency issuers

• Comprises functions of a e-payment system,
  classical Internet banking and SMS banking
• Enables real-time automation of e-payment system
  workflows
• Provides a simple and reliable API to interact
  with e-commerce
• Supports a multi-currency accounting and
  reporting system complying with international
  standards and regulations
• Facilitates real-time automatic calculation of
  tariffs, commissions and agent (partner) fees on
  all transactions

3
CANOPUS E-Wallet Key Functions
4
System Structure
5
New Client Registration
During initial registration, a client submits
their general data (name, e-mail address, phone
number, etc.) and inserts their prepay card
number and PIN. The registration form is set up
in the back office.
After the submitted data is checked and
confirmed, the application form comes to the back
office
6
Back Office Confirmation
All the applications from new clients are
represented in the back office. An agent can
confirm or decline an application. After
confirmation, a new record is created in the
client base and a new account is opened. You can
set up automated confirmation of applications.
7
New Client and Account Generation
Client personal account card
Client card
8
Automatic Alert to a New Client
A logon password is generated for the client
An alert is sent by e-mail and SMS
9
A Client Can Apply for a Bank Payment Card
For that purpose, the client must fill an
application form in the Cards module
10
Payment Card Lifecycle
Card manufacturing
Card is sent to a client
Card activation
Card locking
11
List of a Clients Payment Cards
A client can request a card limit change, lock a
card, activate a new card or simply view the card
info.
12
Account Top-up via a Prepaid Card
A client can top up their account by entering a
prepaid card number and PIN in the corresponding
module.
13
Prepaid Card Servicing Module
The system has an option for prepaid cards
package generation. For this purpose, you need to
set a package name, number of cards in the
package and their face value.
14
Prepaid Card Lifecycle
Here is the scheme for card activation procedure.
A card can be activated via the Internet banking
module or by SMS. After activation, the amount
equal to the cards face value is credited to the
client account.
After a card package is generated, it goes on
sale (the Sell method) then a card must be
activated by a client.
15
Other Ways to Top up an Account

• A client can top up their account by
• A non-cash bank transfer
• E-currency from another payment system (WebMoney,
  Yandex.Money, etc.)
• Cash in one of the companys offices
• Internal transfer from another account, or from
  the companys another client

16
Account Top-up Internal Transfer.
A client can transfer money from one account to
another. For this purpose a corresponding SMS
function may be used.
17
Merchant Registration

• A current or new client of the system can become
  a Merchant
• For a current client, an Open merchant account
  form is filled. The procedure involves creating
  an individual sub-account. A Merchant account
  cannot be used for payments to other accounts it
  can only be used to withdraw money to the banking
  details specified in the form.

18
Application for a Merchant Account
In the application form for a merchant account
special boxes are reserved to specify a bank and
bank account. Money can be withdrawn only to the
specified banking details.
19
Payment for a Purchase in an Internet Store
Workflow Scheme
20
Invoice for Payment Generation

• To generate an invoice for payment, a Merchant
  API is used, allowing e-shops and service
  providers to add this function to their websites
• We have integrated this functionality with
  various popular systems for developing e-commerce
  applications such as OSCommerce

21
A Model Form of Invoice for Payment
The test form of invoice for payment contains the
clients ID, the amount, account number and a
text component.
22
Buyer Confirmation
To confirm payment from an account, the client
enters a payment password or a secret code.
A client (buyer) must confirm the invoice
clearing via Internet banking or a corresponding
SMS banking function.
23
Balance Validation, Switch to Clearing
Payment completed
Invoice is issued
Invoice is created
Invoice is in the clearing status
24
Money Crediting to the Merchants Account
After clearing is completed, the amount is
credited to the merchants account. Clients (both
buyer and seller) can view all transactions in
real time in the Statement section of the
Internet bank.
25
CANOPUS Software Ltd.

• 1-st Pugachevskaya Str., Moscow, Russia.
• Phone number 7 (495) 9563468
• www.eng.canopus.ru
• www.macrobank4.com