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Cyberplat

Cyberplat.com. presentation. September 2001. 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

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Cyberplat

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  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» (B2В) segment • Internet-banking • Interbank clearing for В2С and В2В 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. Dec -1997 Project launch • Mar -1998 Start of commercial operations First e-check payment • Mar -1998 First credit card payment by registered user • Jun -1998 First credit card payment by unregistered user • Feb -1999 Establishment of Cyberplat.com LLC as a separate legal entity • Mar -2000 Number of web-shoppers using CyberPlat exceeds 300,000 • Jan-2001 Number of registered web-merchants reaches 156 Number of registered web-merchants reaches 100 • Sep-2000 • July-2001 • Corporate Events • Operating Milestones 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 • Alexander Semerikov Executive Director, Former Head of Branch Operations of Bank Platina • Vitaly Gurfinkel Director of Sales Department, Former Vice President on Strategy and Planning at AFK Sistema and top manager of Intourist • Alexander Ikonnikov Director of Technology Development Department, Former Head of Department of Banking Technologies at R-Style SoftWare Lab 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 • Vitaly Degtyarev Head of Security Service, Former First Deputy Head of "R" Department of the Russian Interior Ministry.

  7. Selected Clients • The 156+ clients list of Cyberplat.com is dominated by the leaders of the Russian e-commerce market • B2B • E-Tailers • Information • Billing • Software • Insurance • Others

  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. • СyberPOS – • coverage of major Russian processors, establishing gateway withforeign 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 customer’s card details • Merchant (shop) registration is necessary,no customer registration necessary • SSL and standard web-browsers support • Simplicity and convenience of use

  13. CUSTOMER CyberPOS (В2С) 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 5 Processor of Member Bank Member Bank Issuing Bank

  14. Multibanking nature of CyberPOS

  15. Accepted Cards • VISA –viaUCS, Master-Bank • Europay –viaUCS, Master-Bank • MasterCard –viaUCS, Master-Bank • Diners club –via Diners club (UCS, Master-Bank) • American Express –viaUCS (upon permission ofAmerican Express) • JCB –viaUCS • 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 signaturewhich 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. MERCHANT BANK CUSTOMER BANK 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. Processing center of the bank Merchant Bank CyberCheck (B2С) implementation for ATM network (POS) Confirmation on invoice payment 10 Debiting of customers account Request for invoice 3 offer 4 Accepted offer 12 5 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. 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 Internet-Banking

  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 don’t have access to customer’s 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 • Sufficientback-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@cyberplat.ru www.cyberplat.com Phone +7 (095) 363-6897 Fax: +7 (095) 363-6867

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