Presentation on Payworld Business An initiative from Sugal & Damani Group of Companies.
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Transcript of Presentation on Payworld Business An initiative from Sugal & Damani Group of Companies.
Presentation on Payworld Business
An initiative from
Sugal & Damani Group of Companies
About Payworld
Business Overview
Operations Overview
Payworld as Technical Solution
Technology @ Payworld
OverviewOverview
About Payworld
About Payworld About Payworld
Payworld is an initiative from Sugal and Damani group of companies.
Sugal & Damani is having group turnover exceeding INR 7000 crore and is in the business of Online Services, Lottery, Engineering, Technical Education, Share Trading , Real Estate, Hospitality and Jewelry.
Pay world's mandate is to provide online services through electronic terminals which include verticals like; Prepaid recharges Bill collection Online reservation Loyalty programs Online financial transaction
At present Payworld is having more than 40,000 electronic terminals and is present in 16 states.
PayWorld – Key HighlightsPayWorld – Key Highlights
India’s largest E-pin distributor and aggregator.
Strong financial standing with debt free operations.
Quality conscious: ISO 9001:2000 certificate.
Payworld aspires to mark its Global presence by providing its Tech Solutions to various overseas entrepreneurs.
Business Overview
Business Overview: Online service Industry – Market Size
Telecom
The estimated Indian pre-paid recharge market is approx. INR 70,000 Crore/month
TV Recharge The estimated TV recharge market is approx. INR 10,000 Crore
Online Reservation Air: INR 30,000 Crore/annum Bus: INR 15,000 Crore / annum Rail : 9,00,000 tickets / day
Bill Collection
The estimated Bill Collection market is INR 1,50,000 Crore
Business OverviewServices Offered by Payworld
Pre Paid Products All Prepaid products like Mobile recharge, Domestic &
International Calling cards, TV recharge, Cash cards etc…
Pin based (E-Vouchers) Pins-less (E-Top up)
Services Tie-up
MobileGSM - BSNL, Vodafone, Airtel, IDEA, LOOP, MTNL, AircelCDMA - Reliance, TATA
Calling Cards - MTNL, Reliance, TATA, Vodafone
TV Recharge - Tata Sky, Dish TV, Sun TV, Big TV, Airtel TV
Business OverviewServices Offered by Payworld
Business OverviewServices Offered by Payworld Contd..
Online Reservations
Rail Reservation
PayWorld has direct Tie-up with IRCTC for online booking.
PayWorld is in top five players in E-ticket booking.
PayWorld is booking approx. 40,000 tickets / month.
Business OverviewServices Offered by Payworld Contd..
Online Reservations
Airline Reservation
Doing e-tickets for both Domestic and International carrier.
Business OverviewServices Offered by Payworld Contd..
Online Reservations
Bus Reservation
Doing reservation for all the major bus operators through aggregator such as Red Bus & Ticketvala.
Coming Soon
Movie Tickets Astrology Classifieds
Business OverviewServices Offered by Payworld Contd..
Bill Collection
Electricity
Telecom Post paid
Tax Collection
Insurance premium
Business OverviewServices Offered by Payworld Contd..
Services Coming Soon
Loyalty
We are planning to offer Loyalty program for small retail chains and retailers through our terminals
Electronic Fund Transfer
We will be entering this segment as and when government deregulates this market, at present we are exploring the possibility of foreign remittance segment.
Operations Overview
Payworld is present in 16 states of India such as:
Delhi and NCRPunjabHaryanaWest BengalOrissaAssamUttar Pradesh EastKarnatakaTamil Nadu/ChennaiMadhya PradeshAndhra PradeshRajasthanJharkhandHimachal PradeshGujaratMaharashtra/MumbaiGoa
Payworld Operations in India
Payworld Office / Call CentrePayworld Office / Call Centre
Circle/ State Call Centre Location Remark
Mumbai Mumbai Maharashtra Pune
Maharastra Nagpur
Maharastra Nashik
Mahrastra Aurangabad
Punjab Ludhiana
West Bengal / Kolkatta Kolkatta
Karnataka Bangalore
Tamil Nadu / Chennai Chennai UP East Lucknow
National/ SW Calls Delhi For Tech software Problem
Access TerminalsAccess Terminals
PC POS
EFT POS
Mobile Phones
Web Portal: www.mypayworld.com
Windows based PC
Embedded Linux, 32bit 128/128 MB, QVGA, 2” thermal receipt printer, Mag swipe, smart card, USB, Wireless. EMV Co II.
Wide range of CDMA and GSM phones on GPRS connectivity
Payworld Channels Payworld Channels
Existing Pay world Channel
Lottery Channel
Retail Chains - National, Regional, City Specific
National E-Governance program - CSC Schemes
Corporate Retailers
Home based retailers
API business associate
Payworld Channels Contd.. Payworld Channels Contd..
Channel Number of Points
National E-Governance program tie ups, outlets in rural areas through companies like:
• 3i Infotech• SPANCO• GNG• UTL• Zoom Developers etc.
18,000
Modern Trade Retail:• BPCL• TATA Sky• MAFCOCs etc…
750
Sugal & Damani Lottery outlets in Maharashtra, Punjab and West Bengal
17,000
Pay World Channel 8,500
Total 44,250
Process Flow – Prepaid (E-PIN)Process Flow – Prepaid (E-PIN)
Retailer’s POS Terminal
Electronic PINs delivered by Cellcos
PayWorld Server
Purchase Order for PINs given to Cellcos
Walk-in Customer Voucher is
printed
PIN Availability is checked
Transaction is confirmed
Customer sends top-up request using his mobile phone
Pre-paid/ Billing System
Uploaded
Top-up completed
Process Flow – Pin Less (Flexi Recharge)
Retailer’s POS Terminal
E-recharge value topped-up on PayWorld account
PayWorld Server
Purchase Order for E-recharge given to Cellcos
Walk-in Customer
E-Recharge request sent over existing VPN network
SMS Received on Customer’s Mobile
SMS Sent
SMSC
Processed info sent thru VPN
Billing/IN
Collections Workflow
Billing Organization Bill Customer
Retailer
Central SDLA Server
SDUS’s BankBill issuer’s Bank
Agent
Payment
Receipt
RequestAuthentication Request
Transaction Code Validation
Payworld Strengths Payworld Strengths
In House Technical development, necessary on going changes / improvement as per demand of business can be done internally
National tie up with all telecom operator’s, availability of pins at circle levels also.
E-pin and Flexi for all operators
Strong network of retailers across 680 towns in India.
Synergy with existing business of on line lottery , availability of existing lottery channel of more than 17,000 retailers terminals spread in remote areas at Block levels.
Cash Management as in India business is done through cash for the services offered.
Financial standing, manpower resources, Retailer / Distributor Management experience of 3 decades
Payworld as Technical Solutions
A comprehensive Electronic Distribution Software Application and Services.
Payworld offers end to end comprehensive online connectivity from the cellular operators to the point of sale.
Covers Mobile top-up, TV recharges, Calling cards, Reservations, Cash cards and much more.
Supports various kinds of connectivity with the service providers.
Supports extensive range of Retail POS hardware and connectivity.
Database structure classified into Vendors, Retailers, Products & Denominations.
Payworld as Technical Solutions
Payworld as Technical Solutions Contd..
Supports direct top-up of prepaid accounts & electronic voucher distribution – EVD.
Payworld software is compatible to various points of sales such as EFTPOS, PC & Mobile or on Web.
Type of operations: Online sales, Bulk Pin purchase, MIS & many more
Reports: Stock reports, Retailer balance details, Daily sales, Print last sale etc…
Indefinitely Scalable
Centralized control & real time information.
Technology @ Payworld
Network overview
Application overview
Access Terminals
Redundancy arrangements
Security / Integrity
Process flow E-pin / E-recharge
Collection workflow
Cash Card
ContentsContents
Network OverviewNetwork Overview
Disaster Recovery CenterActive Data Center
Level3 compliant super redundant facility
Server ClusterSecurity/Firewall/VPNServer
Cluster
Communications Layer
VSAT GPRS CDMA Inet Dial-up Cable WiFi
Point of Sale Terminals
Network ComponentsNetwork Components
Access Network
CDMA – We use CDMA-1X modems built in FWP/FWT to access nearby BTS. PPA used to optimize signal strength.
GPRS – We use Class 2, Class 10 and EDGE Modems as per the supported networks of multiple operators.
Broadband – We use ADSL, xDSL modem with integrated router.
VSAT – We use SCPC / TDMA based VSATs from Gilat.
Transport Network
Multiple MPLS VPN Networks and bridging across multiple service providers used for redundancy.
Network termination using STM-1 Mux on fiber ring. Routers and Switches are in redundant and manageable
configuration.
Network Components Contd..Network Components Contd..
Core Network
Layer 3 Switching in redundant configuration. Multi-Path backbone router termination. SAN with dark fiber connectivity for synchronous
replication. World class collocation with ample bandwidth.
NMS
All critical components of the network are SNMP compliant.
Use a combination of HPOV and EGV. Managed services from Services Providers backed by in-
house NOCs. Automatic Notification & Escalation.
Application OverviewApplication Overview
POS Terminals Regional/Zonal/ Head Offices
Retail Application
Monitoring & Management
RDBMS
(MySql)
Web Components
DeviceMiddleware
LAMP Stack Architecture – Linux, Apache, MySql, PHP
Storage, Back-up & Redundancy ArrangementsStorage, Back-up & Redundancy Arrangements
Three site redundancy – Primary, Near DR, Far DR to meet Recovery time and recovery point objectives.
HP DL580 G3/G4 servers: Quad Dual Core Xeons, 8-16GB RAM, RAID, RPS.
12 Production and 4 support servers X 2 sites.
Storage HP EVA 8000.
Array-to-Array Synchronous replication between Primary and Near DR over dedicated dark fiber.
Application based Asynchronous replication between Primary and far DR sites.
LAN free automated back-up on media library, 30 levels deep.
SNMP based monitoring & management (HP OV, eGurkha)
Security / Integrity
The ICT set-up of SDLA has robust security provisions as per the latest and state of the art technology. The focus on IT security of SDLA encompasses the following areas:
Access Level Security
Network Level Security
Access Network
Transport Network
Core (Backbone) Network
Authentication and Authorization
Application Level Security
Operational Practices involving IT Security
Security / IntegritySecurity / Integrity
Access Level Vulnerabilities Measure examples:
Application restrictions
Hardware Identity validation (Processor, HDD etc)
Modem Identity (MIN validation using MSID/IMEI)
VPN/IPSec client
User Authorization
Terminal Authorization
Radius AAA ServicesRadius AAA Services
Our Carrier Class FirewallOur Carrier Class Firewall
NetScreen from Juniper Networks
General Features
DHCP support, DoS attack prevention, Firewall protection, NAT support, PAT support, VLAN support, VPN
End-Point Security features
Complete, secure access to Server resources, ensuring that the endpoint device, data in transit, and internal resources are secure.
Seamless integration with broad range of authentication methods and protocols.
Juniper’s Endpoint Defense Initiative includes native functionality and client-and server-side APIs for effective enforcement and unified administration of best-of-breed endpoint security.
Thank You