Self-service Payment and Non Payment Solutions & Trends

www.kiomatic.com

1.) Self - Service Solutions Global Trends

2.) Introduction of Kiomatic activities

3.) Self - Service Multiple Business Segment Usage

4.) Advantages of Self-Service Solutions

5.) Possibilities Of Usage

6.) Network and Communication

7.) Software Equipment

8.) Advantages and Disadvantages between card payment and card & cash payment self-service solution

9 ) Security of Self service Solutions9.) Security of Self-service Solutions

10.) Field Experience

11 ) Oil & Gas market11.) Oil & Gas market

12.) Mobile and low – cost petrol stations

13 ) 24 / 7 Self Service market stores13.) 24 / 7 Self – Service market stores

14.) Inge@Post

C i ll ld ki f l i ti l t

1. Self-service Solutions Global Trends

Companies all over world are seeking for lowering operational costs with self-service solutions – transfer of standard issues to self-service

Self service technologies improve companies services following endSelf-service technologies improve companies services following end-customer today demands - quick and trasparent

Self-service solutions will cover more business segments of usageSelf-service solutions will cover more business segments of usage on one device – All In One Solutions

Companies increased their investment budgets to achieve competitiveCompanies increased their investment budgets to achieve competitive advantage on the market and lover their operational costs through self-service solutions

Companies are seeking for new approach/channel on sales activities and their end-customer satisfaction

2.Introduction of Kiomatic activities

Partner of

3. Self-service Multiple Business Segment Usage

B k IParking

Bank corner

Petrol retail Public transport

Insurance

Video multimedia dispensers

Lotterydispensers

Production support Utility servicesMULTIPLE

FIELDS OF USAGEpp

Check in /Check out Hospitality

y

Check in /Check out

IDG i

Ticketing

Hospitality

GamingInfo

4. ADVANTAGES of Self-Service solutions

24/7 availability/accessibility; which leads to sale growth

Reduces queues and improves customer service

Automation of work processes p

Reduction of company operative costs

Save up / loosen working time of the employed workers; they can p g p y ; ydedicate their time to the demands of remaining customers / buyers

Multifunctionallity of the system; combine payment, advertising and informationo at o

Improvement of customer services by transfer of routine transactions (basic information, bill payment, etc.) to self-service

Secure EMV payment with all existing cards (debit, credit, loyalty, e-purse, …) and/or with cash (bank notes and coins)

Simple and convenient usage for all levels of customers MultilingualSimple and convenient usage for all levels of customers, Multilingualuser interface should be assured

5. Possibilities of usage

InformationAdvertising gTranssactions (including payment)

Or Combined into All-in-One SolutionOr Combined into All in One Solution

Self - Service kiosk as: INFO channel

• Advertising board, E-point, ordering/printing of documents/blank forms/news, advising and informing,…

ADVERTISING channel• Advertise your company services/goods

d/ ith 3 d ti ( h d ti i )and/or earn more with 3rd parties (share advertising space)…

PAYMENT channel• card / cash payment – 24/7 sale and payment of services/goods.. .card / cash payment 24/7 sale and payment of services/goods.. .

ALL-IN-ONE Solution

Assures Multifunctionallity of the system!Assures Multifunctionallity of the system!

Through COMBINED information, advertising and sales of services/goods multifunctional gall-in-one solution enables faster return of investments (ROI)… ADDED VALUE SOLUTION!

Modular kiosk design enables adding additional HW components in the future on

location… MODULARITY OF SYSTEM!

Multilingual and simplicity of usage…

TRANSPARENT SOLUTION!TRANSPARENT SOLUTION!

Ensure Indoor & Outdoor working range… COVER MORE FIELDS OF USAGE!COVER MORE FIELDS OF USAGE!

Standard / ordinar orking station (XPe OS Lin OS )6. NETWORK AND COMMUNICATION

Standard / ordinary working station (XPe OS, Linux OS,…) Broad range of connectivity options (TCP/IP, PSTN, GPRS, Wi-Fi,

Bluetooth..)EASY INTEGRATION INTO EXISTING INFRASTRUCTURE!…EASY INTEGRATION INTO EXISTING INFRASTRUCTURE!

All HW components can be remotely controlled 24/7 (web-based application with hierarchical limitation of access andcentral access/controlling)…TRANSPARENT SOLUTION AND EASY TO CONTROL!

Local service and maintenance …QUICK AND PROFESSIONAL SUPPORT 24/7!SU O /

7. SOFTWARE EQUIPMENT

S ft i t d t d t d d i t fSoftware equipment adopted to needs and requirements of the company/owner of new solution

User-friendly graphical interface virtual keyboardUser-friendly graphical interface, virtual keyboard, managing of statistics …

FOLLOW END-CUSTOMER INTUITION!

8. Advantages And Disadvantages Between Card Payment and Card & Cash Payment Self-service Solution

Advantages Disadvantages

Card Payment Highest security Only credit/debit/Card Payment Highest securityLower cost for physical

securityL k f h

Only credit/debit/proprietary cards can be used for payment

Lower risk for cash fraud

Card+Cash Payment Also customers without Higher cost for logisticCard Cash Payment Also customers without cards can use self-service terminal

Higher cost for logisticservices

Higher cost for physical securityphysical security

More exposed to vandalism

9. Security Of Card Payment Self-Service Solutions

Th EMV t d d d fi th i t ti

EMV STANDARD – It is a TODAY’s MUST!

SECURITYThe EMV standard defines the interactionat the physical, electrical, data andapplication levels between chip cards andits card processing devices for financial

SECURITY-Secure certifiedEMVcard payment

its card processing devices for financialtransactions.

EMV is the international standard for

- Accepting all existing cards (debit, credit loyalty eEMV is the international standard for

interoperation of chip cards and chipcapable ATMs and POS, for authenticatingcredit and debit card payments. The name

credit, loyalty, e-purse, …) .

credit and debit card payments. The nameEMV derives from Europay, MasterCardand Visa, three companies that originallycooperated to develop the standard.p p

Security and Convenience leads to:- higher customer usagehigher customer usage- lowest ownership risk

10. FIELD EXPERIENCE- KIOSK IN PRODUCTION

New generation of kiosks is decorated by:• multifunctionallity (ticketing sale, invoice

nt ( t nd d nd n n t nd d) payment (standard and non-standard), mobile pre-payment codes, government, e-point, advertising,…))• slim-line design – small footprint• user-friendly graphical interface • disabled people friendly• card and / or cash payment• highest level of security • indoor and outdoor installation• vandal-proof housing with security locks• 24/7/365 availability• shorter queuesshorter queues• added value and competitive advantage

• It is a fast return of investment (ROI) • It is a fast return of investment (ROI) demonstration!

11a Oil & Gas Market needs (1/2)11a. Oil & Gas Market needs (1/2)

• Provides payment instrument to drivers for “on the road”• Provides payment instrument to drivers for on the road expenses– Drivers expenses go far beyond what can be claimed afterward

M st co er all t pe of e penses not onl oil and gas– Must cover all type of expenses, not only oil and gas– Cross border transactions more and more important

• Budget control to transport company• Budget control to transport company– Control of usage rights: Who, where, when for what– Corporate contract for best prices / rates

• Risk/fraud control– Risk and fraud threats increase with ubiquity and acceptance of

cardscards

• Reporting and management of IT system

Oil & Gas Market needs (2/2)

Gas stations management• Gas stations management– Wide card acceptance covering all type of cards– Value added information capture and upload– Industry specific transaction management– High performance requirements

• Connection to partners networks– Multiple protocolsMultiple protocols– Large variations on features supported by the

various partnersvarious partners

11b.Oil & Gas system requirement and set up

• Move to “one to one” relation managementMove to one to one relation management

• Control and authorization of every single transaction, l tireal time

Move to on-line transaction management

Requirement for enriched data on everyRequirement for enriched data on every transaction

f fProvides for controlled fall-back process when the end-to end chain is not under control of same networknetwork

11c. Oil & Gas system complete solution

• Comprehensive solution for authorization management andComprehensive solution for authorization management and transaction capture

• Oil and Gas Card issuingg– Fleet management services– Client, account, card management– Full product controlFull product control– Oil and gas specific control– Partner network control

• Oil and Gas card acquiring– IFSF support or implementation inevery existing environment

Multiple network management– Multiple network management

• Coherent acquiring/issuing managementEnhanced business control for on us transactions– Enhanced business control for on-us transactions

12. Mobile and low – cost petrol stationsPetrol station at your private or public place

• Bring pump to your vehicles Bring pump to your vehicles• Your vehicles drivers do not have towait in line at public petrol station –

save time & money• Through identification card and

high level EMV certified secured cardpayment system you have accurate

on-line information about consumptionon-line information about consumptionof your vehicles

• No attendees/personal – fullyautomated system

• Lower price of fuel – purchasing underoptimal conditions

• Fast & transparent pay and pump –real time on-line managmentreal time on line managment

• Easy to use for your and external drivers• No handling with cash

• Mobile private pump – pump can beinstalled at the location of presence of

your vehicles

Safety certificateSafety certificateSelf-service EMV card payment certificate

European CE certificateATEX certificate

A-tests of the tankA-tests of electric equipments

13 24/7 S lf S i k t13. 24/7 Self-Service markets

24/7 Self-Service market stores are powered b t h l th t bl b i d iby technology that enables business driven

processes such as dynamic pricing, promotions real-time inventory managementpromotions, real-time inventory management, as well as the capture and measurement of

key retail business metrics. Self-Service shops y phave to meet all regulations, requirements and

standards for retail operation: UL, FCC and ADAADA.

Machine gears

Internal structure

Connectivity via wireless modem where available, or DSL E 240V / US 115V d di t d tl tEurope 240V / US 115V dedicated power outlet

Minimum size specifications: width: 13.31 feet depth: 9.95 feet height: 8.83 feet g

square feet = 136.49 square yards = 15.17

Machine robot

14a. Inge@Post - postal logistic solution

• “Inge@Post” Business Model is reaction to often requests from postal, courier and delivery organizations for the efficiency and profitabilitycourier and delivery organizations for the efficiency and profitability improvement of postal operations and optimization of their business processes.

• General “Inge@Post” concept is to use the best elements of traditional postal operations with the objective for improvement and automationpostal operations, with the objective for improvement and automation without any big changes on existing postal structure (IT and HR at the first place).

• “Inge@Post” Business Model offers solutions for 3 major technological entities:– @Door Services– Branch Office Services– Kiosks – Self Service

14b. Inge@Post system overview

14c. Inge@Post system description

Thank you for your time!

KIOMATIC GROUPKIOMATIC GROUPE‐mail: info@kiomatic.si

www.kiomatic.com