• Introduction

• Nucleus Overview

• Technology

• Deployment

Introduction:

iPayStation provides services and solutions related to electronic

transactions in Retail, Payment, Banking and Logistics.

iPayStation Services iPayStation Platforms

Application Services Information Management The iPayStation Network

Architecture Services Infrastructure Services iPayStation Nucleus

QA Services BPO Services iPayStation M-Commerce

• Nucleus is a one-stop PCI-DSS compliant solution

• Blend of technology and business proficiency to increase sales

• Processes wide variety of card types: credit, debit, gift, loyalty,

reward, prepaid, wireless, and more

• Authorizes and tracks card payments securely, within seconds

• Helps merchants drive CRM; staying on top of their business

• Provides customized reports; assists merchants in apt decisions

• Supports Real-time and Offline Loyalty programs

• Mobilizes merchant’s customer base

• Robust architecture for easy bolt-on applications as desired

CUSTOM APPLICATION DEVELOPMENT

Nucleus RELATED SERVICES

ENTERPRISE APPLICATION INTEGRATION

SYSTEMS INTEGRATION

STRATEGY & IT CONSULTING

IT OUTSOURCING

REENGINEERING AND MAINTENANCE

INTEGRATED ROADMAP

Host Based

App

POS

BusinessProcess

Reengineering

EnterpriseArchitecture

Definition

NGift NCRM NRetail

Design Develop Test Deploy

BUSINESS PROCESS MANAGEMENT

Cross-industry ProcessesIndustry Specific Processes

TOTAL

OUTSOURCING

SOLUTION

VERTICAL PRESENCE

Petro

E-Commerce

Insurance & Healthcare

Retail

QSR

Lodging

NCart

PCI SQA

• Loyalty:

• Rule Engine based Loyalty module

• Easy to configure and use

• Can be combined with marketing campaigns

• CRM: SMS, MMS & Email campaigns linked to payments

• Mobile: Consumer App, Store Locator, SKU information

• Real-time information may be accessed via web & mobile phone

• Analytics to help determine success of marketing campaigns

• Measurable results can help improve marketing campaigns

• Remove stores from PCI compliance equation

• Global connectivity across Processors providing seamless view

of transactions

• Coordinated Media Delivery:

• Mobile (SMS, MMS, mWidgets),

• Email

• POS (marketing ads on POS and receipts)

• Social Networking portals

• Moment of Decision:

• Influence decision making; gift-card, mobile, POS

• Relevant Data

• Informed actionable intelligence

• Seamless Integration Globally

• Consumer Reach – Selective and Targeted

• SaaS (Software as a Service) predicates fixed monthly costs

• Provides Alternative Payment Technology: NFC, Mobile,

Fingerprint

Delivery of targeted coupons/reward status to members

• Rewards may be based on:

• Card Type

• Frequency

• Peak / Non-peak

• Cumulative Spend

• Redemption may be in form of:

• Points

• $.$$

• Discounts

• Coupons

• SKU Items

Remote balance checking of loyalty status or gift card balance

• Mobile: SMS and Mobile Apps/Widgets

• Social Networking Portal: Popular or Branded Portal

• Web Portal: Client’s or provisioned to client

• Revenue Ads, special offers, and presentation opportunities

At POS

• Offer/reward linked to identifier (gift, credit / debit, loyalty)

• Every transaction checks against offer/reward

• Database updated real-time to avoid multiple redemptions

At Website (PC or Mobile)

Benefits

• No special coupons to track nor codes to enter at POS

• Instant reward to customer

• Higher customer satisfaction

• Targeted Point of Purchase Advertising

• Every transaction presents advertising impression

• Ads can be behavioral and demographically targeted

• Extend and enhance in-store campaigns with take-away

•Centralized management tool for POS messaging

• New Revenue Source

• Measurable sales impact

• Additional way of delivering Brand advertising

Nucleus addresses security and sensitive card holder

information through the entire payment transaction process

• Nucleus is PCI and PCI-DSS (PABP) certified globally

• Ensuring sensitive data is available only in cryptic form

• Network configuration and firewalls withstand all levels of scanning and penetration (aggressive intrusion) tests

Sensitive card holder and authentication data:

• Encrypted and transmitted in a SSL 256 bit environment

Nucleus supports AVS (Address Verification Service)

• Helps reduce misuse of lost or stolen cards

• Nucleus Security Module configured for Velocity Check, POS Authentication, Amount Checks, IP / Phone Checks

• Nucleus supports token based authentication for e-wallet transactions

Process Credit & Debit Cards:

• Amex

• Chase Paymentech

• Global Payments

• Elavon

• Little and Co.

• Comdata

• Revolution Money

• ICICI

• FDMS

Content Manger -SMS

- MMS- Video

RequestManager

1

HeartBeat

2Ticket

3 4AuthorizeCheckout Approve

POSListener

Techniques

• Serial Port• TCP/IP

Screen Prompts

• AVS• Tip• Amount• Card Swipe• Pin Entry• Confirmation

FlowManager

Tasks

• Communication Types• Request Formatting• Response Formatting

Receipt Manager

5

Idlestate

auto auto auto auto

Checks

• Request Format• Parity• Industry Vertical

TransactionManager

Business Reason:

SAAS Module Convert Gift Cards To Loyalty Cards

Store PCI Consumer Touch-points

Loyalty Implementation eCommerce Integration

CRM: SMS, MMS, E-Mail Cross Border Deployment

POS Upgrade / Maintenance Outsource Non-Core Functions

Switch Processor 24 x 7 Customer Service

Reduce Processing Costs

Inception:

POS Selection: Model / Types Alert Notifications

Security Requirements PCI Approval

Communication Marketing Campaigns

Transaction Types Processor Certifications

Settlements SKU Uploads

Content Upgrade Setup

User Setup Volume Processing

Reporting Requirements

Deployment Setup:

Pilot Planning Deployment Schedule

Consumer, Store Feedback Geography

Fine-tune Checkout Brands

Reports Validation Division

Refine Marketing Campaign Calendar

Test Auto Downloads

Deployment Setup:

Monthly Dashboard Review Continuous Process Improvement

Trend Analysis Optimize Flows

Processing Statistics Optimize Campaigns

Fraud Checks Analytics

Roadmap Review: Business Strategy Alignment

Bruce Burke bruce@ipaystation.com

Director of Business Development

iPayStation www.ipaystation.com

6262 142nd Avenue N. Suite 201

Clearwater, FL 33760

Office: (978) 632-6798 x 157

Mobile: (727) 612-5775

Fax: (978) 632-7085