netaccess l-series payment routers, network transaction concentrator plug-and-play routing devices...

March. 2010

NetAccess L-Series Seminar

Cost Saving and Competitive Edge

The award-winning NetAccess enterprise payment network equipment ensures dependable, steadfast, speedy yet affordable end-to-end connectivity for today’s financial institutions and merchants of all sizes.

NetAccess development is driven by intelligent messaging & routing algorithm across industry-standard hardware, its strengths lie in its simplicity and flexibility to adapt, realizing quicker ROI compared to proprietary firmware or hardware based approaches.

NetAccess: An Introduction

Private and Confidential. Copyright of GHL Systems Berhad

NetAccess Product Suite

Private and Confidential. Copyright of GHL Systems Berhad

Complete Payment Network Integration

An Introduction to the NetAccess L-Series

Small merchant Payment ExtenderTargeted small merchants with multiple

devices with different payment processes

NetAccess X-10 : At a Glance

X10

Powered by 60MHz ARM7 processor

Configurable pattern matching routing

Interconnects devices on retail desktop

Enable EDC for RS485,TCP/IP network environment

Energy efficient design, can drawn power from EDC power supply

Facilitates Contactless Payment Device

Supports up to 4 payment devices

X-10 Deployment Scenario

Configurable pattern matching routing

Route transaction based on card type

Intelligent routing of data between interconnected devices

Enable uplink to Host via GPRS or TCP/IP network

TCP/IP, RS485 downlinks Multiple RS232 support Multi-channel Auto-Fallback

Engine for continuous availability of uplinks

Cost savings with GPRS wireless connectivity replacing fixed lines

Small merchant Payment RouterTargeted small merchants with 1-3

EFTPOS terminals & wireless connectivity

NetAccess L-100 : At a Glance

L100

L-100 Deployment Scenario

Similar to L100 but more intelligence

Support up to 9 devices Built in network redundancy

Dual SIM Slots RS232,RS485, TCP/IP support Multi-channel Auto-Fallback

Engine for continuous availability of uplinks

Cost savings with GPRS wireless connectivity replacing fixed lines

SSL Supported PCI DSS-Ready Web based configuration

Highly Available Wireless Payment Router

Dual SIMs, supports 9 terminal connections

NetAccess L-200 : At a Glance

L200

Facilitates the concentration of multiple downlink devices including legacy dial-up EDC terminals, fixed-line telephony, and data

Multi-channel Auto-Fallback Engine for continuous availability of uplinks

Built in network redundancy with dual SIM slots

Downlink EDC connections: RS232, RS485, TCP/IP

Uplink host-side connections: RS485,TCP/IP, GPRS

GPRS and HSDPA versions HSDPA version allows voice and data

concurently Supports SSL and Id PCI-DSS ready Web based Configuration.

Small merchant Payment RouterThe NetAccess L-200 OPTIMUS is a

breakthrough payment router designed with the ultimate aim of reducing costs

for retailers.

NetAccess L-200 Optimus: At a Glance

L200 Optimus

Message filtering prevents non ISO8583 messages from reaching the bank host

Pipe encryption to the bank host (Open VPN & SSL)

Intelligent failover with up to 3 different communication channels (HSDPA, GPRS, ADSL, PSTN dialup – in any predefined order)

Wi-Fi connectivity Supports EDGE and HSDPA 3G network Dual SIM and Dual Ethernet supported Suited for medium-sized to large-sized

merchant environment and enables GPRS connection for up to 30 terminals using RS232, RS485 and TCP/IP protocols

Support both EDC and ATM applications TCP/IP, PSTNV.22 fast connect PCI DSS-ready Configurable via Web

Multi Lane Payment RouterVersatile, multi-function & robust yet affordable payment router for

connecting up to 30 EDC terminals in a LAN environment to payment hosts

NetAccess L-350 : At a Glance

L350

Private and Confidential. Copyright of GHL Systems Berhad

NetAccess L-series Product Offering

NetAccess L-Series Product Offering

NetAccess Model

Uplink UplinkFailover?

Downlink Max No. of Terminal

Special Features

X-10 RS-485, TCP/IP No RS-232, RS-485,TCP/IP

3 (4) Convert PSTN terminal to multi-lane terminal

L50 GPRS, TCP/IP No PSTN ports,TCP/IP

3 Convert PSTN terminals to GPRS without software change

L100 GPRS, TCP/IP No RS232,RS485, TCP/IP

5 Improve EMV transaction speed of terminal by 5 sec from PSTN speed

L200 2x GPRS, TCP/IP Yes RS232,RS485, TCP/IP

10 2 mobile SIM for auto failover from primary GPRS to secondary GPRS

L200Optimus

2x GPRS, TCP/IP, GSM

Yes RS232,RS485, TCP/IP, PSTN

ports

10 Retail payment communication includes voice, fax and payment in one box to save

merchant money.

L300 GPRS/EDGE, TCP/IP, PSTN

Yes RS232,RS485, TCP/IP

15 3G/HSDPA uplink and WIFI downlink are optional

L350 GPRS/EDGE, 3G/HSDPA,

TCP/IP, PSTN

Yes RS232,RS485, TCP/IP, WIFI

30 (30-90) Can support 30 RS-485 devices, and with 30units X-10, can support up to 90

terminals

L1000 X.25, TCP/IP, ISDN

Yes RS232,RS485, TCP/IP

30 to 120 Ideal for setting up MallNet, loyalty& payment network in shopping mall

Private and Confidential. Copyright of GHL Systems Berhad

L-Series Other DEPLOYMENT SCENARIOS

Multi-Lane Deployment

Wireless Deployment

L100

Contactless Deployments

X10L300

Able to take transactions from 3-5 terminals via RS232 or TCP/IP.

Uplink to central node via Share RS485 LAN

Uplink to the bank gateway via GPRS

Uplink via TCP/IP connection

Small Merchant Layout

Able to take transactions from 3-5 terminals via RS232 or TCP/IP

Uplink to central node via RS485 LAN

Uplink to the bank gateway via GPRS

Uplink via TCP/IP connection Automatic backup route options

Medium-Sized Merchant Layout

Up to 90 RS485 connections 100 TCP/IP connections ISDN on demand Leased Line PSTN

Large Merchant Layout

Existing Terminals: Extended Lives

RS-232 RS-232

RS-485 EthernetLength: 1.2 km

Length: 50 ft

GHL’s Solution for Transit

netAccess L-350

TCP/IP

AD

SL

/ 3G

FSI’s Host or

Transit Operator’s server

How it all comes together

GHL’s Solution for Bus

• Bus Validator device is offline & contactless– All transaction batch and comms managed by NA L100

• Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported

• Driver can choose to open only front doors (so alighting passengers must pass the exit validator)

Entrance

Exit

NetAccess: Key Advantages

Private and Confidential. Copyright of GHL Systems Berhad

L-series Benefits and Competitive Edges for Acquirers

Private and Confidential. Copyright of GHL Systems Berhad

PurchaseNew

Terminal

Low cost upgrading of Legacy Terminal to meet merchant’s new requirements

O3750

Vx510/IP combo

Vx610/GPRS

• Ind

ustr

y re

liabl

e w

orkh

orse

• Sol

d m

ostly

in 2

002

to 2

005

• PS

TN

Dia

lup

& t

wo

RS

-23

2 p

orts

• EM

V T

rx.

Tim

e 11

-15s

ec• M

erch

ant

like

the

use

r in

terf

ace

New

Pro

toco

ls a

nd M

erch

ant’s

Req

uire

men

ts Networking,RS-485 or IP

Need more ports

Desktop GPRS

Faster SalesTransaction Speed

Issues:• New terminal Certification effort• High terminal purchase cost• How to redeploy old terminal?• Difficult inventory management with more terminal type.• Merchant retraining on new

terminal.O3750

O3750

Use OldExistingTerminal

3 * RS-232

RS-485/RS-232

IP GPRS

L100

BenefitsCost <20%/(3 GPRS edc)8 sec transaction time

3 * RS-232

RS-485 IPBenefitsCost <10%/edcUse Existing Cabling

X-10

Private and Confidential. Copyright of GHL Systems Berhad

Lower Cost of Ownership SolutionFor Acquiring Multi-lane Merchants

RS-232

RS-232

RS-485

Ethernet

Length: 1.2km

Length: 50 ft

Leased-line

or IP-VPN

PSTN

ADSL

GPRS PRI

SEC

TER

XLower by 85% CommunicationCost and with

two redundancyCost saving in using existing

Cabling (RS-485 or IP)

Using same (old) terminal for both dialup and

network. No need upgrade or separate inventory

Private and Confidential. Copyright of GHL Systems Berhad

Competitive Edge-Scenario 1- Chain 3edc/Outlet

Bank A Merchant A Bank B

Existing Acquirerwith MDR=1.7%using 3 dialup terminals

1. Proposal to acquire with MDR=1.6% using 3 dialup terminals

A2. Request Bank A to reduce MDR to 1.6% or lower

A3. Bank A approvedrequest.

B2. Director resolution to change bank

B3. Opening Bank B account

B4. Install Bank B terminals

B5. Training of cashier to use new terminals.

B6. Request Bank A to retrieve old terminals.

Bank A Merchant A Bank B

Existing Acquirerwith MDR=1.7%using 3 dialup terminals

1. Proposal to acquire with MDR=1.7% using 3 GPRS network terminals

A2. Request Bank A to provide new GPRS network terminals?

A3. Bank A not ready

with GPRS infra from GHL.

B2. Director resolution to change bank

B3. Opening Bank B account

B4. Install Bank B terminals

B5. Training of cashier to use new terminals.

B6. Request Bank A to retrieve old terminals.

Merchant’s Benefits:Save telephone charges of about RM100/month/outletFaster transaction time of 8 sec, reduce queuing at cashier

X

XGPRS

Private and Confidential. Copyright of GHL Systems Berhad

Bank B Proposed Specifications

Bank C

IP-VPN Networking GHL’s L350

IP-VPN Primary Connection GPRS-1 and/or GPRS-2

ISDN Secondary Con. ADSL

None Tertiary Connection PSTN

New IP Cabling Cabling Existing RS-485

Higher Upfront Cost (CAPEX) Lower

RM1,500/month Monthly Cost RM200/month

Higher Transaction Cost Lower

Higher MDR Lower

Lost Sales Outcome Win

Competitive Edge-Scenario 2- 10 to 30 EDC terminals Multi-lane

Private and Confidential. Copyright of GHL Systems Berhad

Competitive Edge-Scenario 3 – Battle of Desktops

Bank X Proposal to Merchant Bank Y

Dialup EDC Terminal EDC + L100

About RM100/month on RM100k/mth sales

Telephone Call

Charges

FREE

Lower Monthly Bank’s Cost Higher, <0.05% MDR

11 to 15 sec Transaction Time 8 sec

Same Proposed MDR Same

LOST Sales Outcome WIN

Bank X Bank Y

Rental=RM45/mth

Rental=RM87/mth(RM45+RM36+RM6)

Private and Confidential. Copyright of GHL Systems Berhad

Competitive Edge-Scenario 4 – Low-cost Multi-Lane with 4 to 10 terminals

Bank Z

MerchantGPRS 1

GPRS 2

ADSL

Pri-GPRS

Sec-GPRS

Ter - ADSL

Bank’sNetwor

k

Bank Bank Z Bank M Bank N

Connection L200/2xGPRS IP-VPN PSTN dial-up

TCO- upfront & operation Medium High Low

MDR Medium Highest Lowest

Sales Outcome Win vs Bank M – lower MDR

Win vs Bank N – same MDR, faster and no communication cost for

merchant

Lost to Bank Z due

to MDR

Lost to Bank Z due

to terminal speed and no communication cost

RS-232 RS-232 RS-232

RS-232X-10 X-10X-10

L200

Private and Confidential. Copyright of GHL Systems Berhad

GHL’s Solution for Bus

• Bus Validator device is offline & contactless– All transaction batch and comms managed by NA L100

• Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported

• Driver can choose to open only front doors (so alighting passengers must pass the exit validator)

Entrance Exit

THANK YOU

Alex Tan

Vice President – International Sales

GHL Systems Berhad

alex.tan@ghl.com

alex.tan@ghl.com