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Presentation on Payworld Business

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Title: Presentation on Payworld Business


1

Presentation on Payworld Business An
initiative from Sugal Damani Group of
Companies
2

Overview
  • About Payworld
  • Business Overview
  • Operations Overview
  • Payworld as Technical Solution
  • Technology _at_ Payworld

3
About Payworld
4
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.

5
PayWorld Key Highlights
  • Indias largest E-pin distributor and aggregator.
  • Strong financial standing with debt free
    operations.
  • Quality conscious ISO 90012000 certificate.
  • Payworld aspires to mark its Global presence by
    providing its Tech Solutions to various overseas
    entrepreneurs.

6
Business Overview
7
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

8
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
  • Mobile
  • GSM - BSNL, Vodafone, Airtel, IDEA, LOOP, MTNL,
    Aircel
  • CDMA - Reliance, TATA
  • Calling Cards - MTNL, Reliance, TATA, Vodafone
  • TV Recharge - Tata Sky, Dish TV, Sun TV, Big TV,
    Airtel TV

9
Business OverviewServices Offered by Payworld
10
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.

11
Business OverviewServices Offered by Payworld
Contd..
  • Online Reservations
  • Airline Reservation
  • Doing e-tickets for both Domestic and
    International carrier.

12
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

13
Business OverviewServices Offered by Payworld
Contd..
  • Bill Collection
  • Electricity
  • Telecom Post paid
  • Tax Collection
  • Insurance premium

14
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.

15
Operations Overview
16
Payworld Operations in India
  • Payworld is present in 16 states of India such
    as
  • Delhi and NCR
  • Punjab
  • Haryana
  • West Bengal
  • Orissa
  • Assam
  • Uttar Pradesh East
  • Karnataka
  • Tamil Nadu/Chennai
  • Madhya Pradesh
  • Andhra Pradesh
  • Rajasthan
  • Jharkhand
  • Himachal Pradesh
  • Gujarat
  • Maharashtra/Mumbai
  • Goa

17
Payworld 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
18
Access 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
19
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

20
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
21
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22
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23
Process Flow Prepaid (E-PIN)
Purchase Order for PINs given to Cellcos
Electronic PINs delivered by Cellcos
PayWorld Server
Uploaded
Retailers POS Terminal
PIN Availability is checked
Transaction is confirmed
Pre-paid/ Billing System
Walk-in Customer
Voucher is printed
Top-up completed
Customer sends top-up request using his mobile
phone
24
Process Flow Pin Less (Flexi Recharge)
Purchase Order for E-recharge given to Cellcos
E-recharge value topped-up on PayWorld account
PayWorld Server
Billing/IN
Retailers POS Terminal
E-Recharge request sent over existing VPN network
Processed info sent thru VPN
Walk-in Customer
SMSC
SMS Sent
SMS Received on Customers Mobile
25
Collections Workflow
Retailer
Payment
Receipt
Billing Organization
Bill
Customer
Authentication Request
Request
Agent
Transaction Code
Validation
Bill issuers Bank
SDUSs Bank
Central SDLA Server
26
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 operators,
    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


27
Payworld as Technical Solutions
28

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.

29
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.

30
Technology _at_ Payworld
31

Contents
  • Network overview
  • Application overview
  • Access Terminals
  • Redundancy arrangements
  • Security / Integrity
  • Process flow E-pin / E-recharge
  • Collection workflow
  • Cash Card

32
Network Overview
Active Data Center
Disaster Recovery Center
Server Cluster
Server Cluster
Security/Firewall/VPN
Level3 compliant super redundant facility
Communications Layer
VSAT GPRS CDMA Inet Dial-up Cable WiFi
Point of Sale Terminals
33
Network 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.

34
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.

35
Application Overview
LAMP Stack Architecture Linux, Apache,
MySql, PHP
Web Components
Retail Application
RDBMS (MySql)
Monitoring Management
Device Middleware
POS Terminals
Regional/Zonal/ Head Offices
36
Storage, 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)

37
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

38
Security / 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

39
Radius AAA Services
40
Our 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.
  • Junipers Endpoint Defense Initiative includes
    native functionality and client-and server-side
    APIs for effective enforcement and unified
    administration of best-of-breed endpoint security.

41
Thank You
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