... was demonstrated to security officers of Visa, Europa

1
Cyberplat.com
presentation

• September 2001

2
Cyberplat.com At A Glance

• The leading Internet payment gateway services
  provider in Russia both for B2B and B2C sectors
• The Company's current market share is estimated
  at 85-90
• The clients of the Company are
• - 8 processing companies
• - 12 banks
• - 156 e-shops
• - 430 000 customers
• The only one licensed and patented payment
  system in Russia
• The system is used as a standard web-shop element
  by software developers (Arcadia (1C), Demos,
  eTops, Exteria, Garant, Rstyle, Diasoft, IBS, IT)

3
The company employ following technologies
CyberCheck secure document interchange for
transactions and on-line payment CyberPOS
acquiring of payment cards via Internet.

• These technologies allow implementing following
  features
• Multicurrency processing and fraud monitoring of
  on-line payments in business-to-consumer (B2C)
  segment
• Multicurrency processing of payments and
  conducting on-line transactions in
  business-to-business (B2?) segment
• Internet-banking
• Interbank clearing for ?2? and ?2? segments

4
The exploited applications

• With usage of CyberPOS technology
• Cyberinform selling information to subscribers
  (MICEX, RBC, ect.)
• PINSALE selling virtual vouchers (scratch
  cards, access codes) for replenishment accounts
  with telecom companies

It is developed the project of virtual exchange
on base of CyberCheck technology
5
Corporate History
Standard gateway for connection of processing
centres and scratch card processing
Feb -2001
Connection of Union and STB Payment Systems and
e-port.ru
Mar -2001
Diners Club International granted certificate
Internet Processor Provider for Russian region
May -2001
Number of web-shoppers using CyberPlat exceeds
400,000
July-2001
6
Management
Executive Director, Former Head of Branch
Operations of Bank Platina
Alexander Semerikov
Vitaly Gurfinkel
Director of Sales Department, Former Vice
President on Strategy and Planning at AFK Sistema
and top manager of Intourist
Director of Technology Development Department,
Former Head of Department of Banking Technologies
at R-Style SoftWare Lab
Alexander Ikonnikov
Director of Marketing Department, Former head of
Marketing Department of ROSNO company.
Alexey Ushakov
Vyacheslav Gorshkov
Head of Legal Department, Former Head of Legal
Department at Mosenergo
Head of Security Service, Former First Deputy
Head of "R" Department of the Russian Interior
Ministry.
Vitaly Degtyarev
7
Selected Clients

• The 156 clients list of Cyberplat.com is
  dominated by the leaders of the Russian
  e-commerce market

Information
E-Tailers
B2B
Billing
Others
Insurance
Software
8
Future clients and major projects

• Cyberplat.com is at different stages of
  negotiations with major clients

Contract signed, software tuning

• Gazcardservice (Gazprombank)
• Svyaz-Bank (Kaluga)
• Central Telegraph
• Smolensky Bank (Moscow branch)
• Saules Banka
• Impexbank
• Clearing house of Russian Trade System

Final stage of negotiations

• MIRCARD (PROCARD)

9
Latest Corporate Events

• System of fraud monitoring was demonstrated to
  security officers of Visa, Europay and American
  Express
• Diners Club International granted certificate
  Internet Processor Provider for Russian region
  
• A scheme of technical cooperation with processing
  center of smart card payment system MIRCARD using
  DUET technology was developed.
• Master-Bank has become a client of CyberPlat
  system.
• Participation in Visa CEMEA Sub-Regional Meeting
  as Vendor.
• 1 000 000 goods are now available via
  Cyberplat.com
• IMPEXBANK and CYBERPLAT.COM have signed a
  Contract on cooperation in the sphere of payments
  in electronic shops.
• Number of registered web-merchants reaches 156
• Number of web-shoppers using CyberPlat exceeds
  400,000
• New licenses of FAPSI for providing of
  cryptographic protection

10
Future plans

• To implement following business-processes
• fraud monitoring for third party processors,
• e-business consulting,
• system integration of internet-commerce,
• courses of Cyberplat technology
• Internet content providing and billing services
  of Cyberplat .
• CyberCheck
• transfer of interbank clearing from Platina
  Bank to multibank clearing,
• development of new software based on XML
  technology along with adding digital signature of
  Customer Bank to the standard document.
• ?yberPOS
• coverage of major Russian processors,
  establishing gateway with foreign processors.

11
Products and technologies
12
CyberPOS (B2C) technology description

• B2C transaction processing is done by CyberPos
  software (applet, non-applet(for customers) and
  secure and simple mode (for merchants)
• CyberPOS designed for processing of credit cards
  payments and supports all major Russian and
  International payment systems
• Visa, EuroCard/MasterCard, Diners Club, JCB,
  American Express, Union Card, STB Card, e-port
  scratch-cards
• Merchant has no access to the customers card
  details
• Merchant (shop) registration is necessary, no
  customer registration necessary
• SSL and standard web-browsers support
• Simplicity and convenience of use

13
CyberPOS (?2?) transactions diagram
Services
8
Payment request
1
Order details
CyberPOS
WEB-SHOP
2

• Authorization server
• Accounting system
• Fraud-monitoring
• Denial analyser
• Analysis and back-up module

Card details entry (SSL, applet)
Unique identificator of payment session
3
4
Authorization result
7
Authorization result
Authorization request
6
Processor of Member Bank
5
Member Bank
Issuing Bank
14
Multibanking nature of CyberPOS
15
Accepted Cards

• VISA via UCS, Master-Bank
• Europay via UCS, Master-Bank
• MasterCard via UCS, Master-Bank
• Diners club via Diners club (UCS, Master-Bank)
  
• American Express via UCS (upon permission of
  American Express)
• JCB via UCS
• UNION issuer
• e-port (scratch-cards of Autocardholding) issuer
• To be accepted soon
• STB - issuer

16
CyberCheck (B2B) technology description

• Customer interaction can be implemented by the
  following stages cardholder-ATM-bank
• B2B transaction processing is done by CyberCheck
  software
• CyberCheck technology is based on the digital
  signature which provides following features
• Maximum security level
• Impossibility of refusal of commitments caused
  by the transaction
• Full compliance with Russian law
• Conclusion of the contract and presentment of
  invoices takes place simultaneously during one
  cycle of data interchange
• Secure data interchange
• Digital signature registration is necessary

17
CyberCheck (B2B)
Transaction confirmation, shipment of goods,
providing of services
9
Invoice request
1
Invoice signed by digital signature of the
merchant (offer)
2
Invoice signed by digital signature of customer
and merchant (accepted offer)
3
CUSTOMER
MERCHANT
Authorization request
Crediting of the account
4
0
5
Authorization request
Payment and authorization
7
6
Payment
Account statement
18
CyberCheck (B2?) implementation for ATM network
(POS)
Confirmation on invoice payment
10
Debiting of customers account
Request for invoice
3
offer
4
Accepted offer
5
12
11
6
Authorization request
Authorization request
Operation confirmation
7
2
9
File transfer to Bank
statement
1
8
Client inserts card, enters PIN, selects Payment
for Beeline services ATM option, enters
telephone number and payment amount
Beeline customer
Authorization and payment
ATM
19
Internet-Banking

• Payments by registered bannkcard, issued by any
  bank of the world (VISA, EC/MC, Diners, AmEx,
  JCB, UNION)
• Payments to standard and random recipients
• Personal folder option
• Statement of the account in member bank of the
  System
• Statement of bankcard operations

20
System security and fraud monitoring

• Encryption of information in the database and in
  transmission stage
• Client information available only to
  Cyberplat.com
• On-line authorization protection from generated
  card details and cards without coverage
• Black lists and stop-lists protection from
  fraud
• Prevention and help to the members in case of
  fraudulent attacks
• Limit system, credit history
• Information exchange with other systems on cases
  of fraud
• Cooperation with law enforcement organs

21
Advantage of technologies

• Transmission of encrypted data via open networks
• Flexibility and compatibility
• Efficiency
• Ability to process unlimited quantity of
  transactions
• Scaling
• Simple to update
• Security
• Merchants dont have access to customers card
  details
• Support of SSL and other similar protocols
• Encryption with 512 or 1024-bit keys
• Transaction monitoring (automated or by
  operator) for fraud detection
• Reliability
• Sufficient back-up level
• Software and hardware are based on standard
  software tools from leading international
  developers

22
JSC CYBERPLAT.COM 121248, Moscow, Kutuzovsky
prospect, 12
info_at_cyberplat.ru www.cyberplat.com Phone 7
[phone] Fax [phone]