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February 26, 2002

Confidential Information. icePAY Solutions Overview. - Internet Certification & Payment -. February 26, 2002 icePAY JAPAN Corporation ITOCHU TECHO-SCIENCE Corporation eBANK Corporation KDDI CORPORATION. Contact Point:Jun Seki, KDDI (jun-seki@kddi.com). １． Vision.

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February 26, 2002

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  1. Confidential Information icePAY Solutions Overview - Internet Certification & Payment - February 26, 2002 icePAY JAPAN Corporation ITOCHU TECHO-SCIENCE CorporationeBANK CorporationKDDI CORPORATION Contact Point:Jun Seki, KDDI (jun-seki@kddi.com)

  2. １．Vision Provide Mobile Commerce and/or Mobile Banking services Easily and Safely, Anytime, Anywhere. icePAY JAPAN Confidentiai Information

  3. ２．Target If we could use a mobile phone instead of a wallet, ... BANK Shop Shop Shops/Banks are always with us. Payment at the real shop. icePAY JAPAN Confidentiai Information

  4. ３．Mobile Commerce by icePAY (as Japan’s first comer) ～Realize Shopping on the Net as well as payment at a Real Shop by using same Mobile Commerce solutions～ Easy implementation of Mobile Commerce having both Usability & Security, with combination of “icePAY Module” & existing Mobile phone Not only Shopping on the Net & Settlement at the real shops, remittance between 2 Mobile phone users can realize. (under implementation by e-BANK) Since last November, Pilot project has been carrying out among various kinds of providers/companies. (Until the end of this March) icePAY JAPAN Confidentiai Information

  5. ４．icePAY Module Functions Ciphering Algorithm Realize secured M-commerce without any change to existing Mobile phones Realize security using one time variable password through no SSL supported terminals Registered URL Guide to the pre-registered web. site Module; Developed by Woori Technology Inc.(Seoul, KOREA) icePAY JAPAN Confidentiai Information

  6. ◆Existing Net-banking Table of random numbers 11 29 61 72 Contract No. ID number ID number 52 35 78 66 １１２２３３４４ ＊＊＊＊ ＊＊＊＊ 67 40 66 57 ５．Three Elements of Authorization ◆icePAY solution icePAY module Mobile phone ID １２３４ One time variable password 1234-5678 -7120-Ab4X-3BcD icePAY JAPAN Confidentiai Information

  7. ６．　ｉｃｅＰＡＹ Service Structure ① Payment at Virtual shops, ② Payment at Real shops, ③e-BANK mobile banking Mobile Banking Mobile E-Commerce Other Bank （Main bank） icePAY Japan（Authorization Center for e-Bank) e-Bank Customer Management DB Auth. DB URL Management DB Cash In/Out User’s Account at Main Bank User’s Account at e-Bank Select Banking／Shopping Auth. Info., Settlement Order Portal Site Settlement (Real time Money Transmission) Payment Info. Order User Virtual Shops Real Shops （Taxi, Hotel, Reataurant etc.） Shop-B Shop’s Account at e-Bank Shop’s Account at Main Bank Cash Out Shop-A Payment terminal for Real shop User’s Module icePAY JAPAN Confidentiai Information

  8. 7．　ｉｃｅＰＡＹ Shops You Seikatsu icePAY JAPAN Confidentiai Information

  9. 8．“icePAY J” Business Estimation Establish as Mobile marketing company Fall of 2002 Service Enhancement Summer of 2002 Commercial Launch(Financial/Ｅcommerce) Spring-summer of 2002 Pilot Project(Commercial Trial with 10K users) Establish Japanese CorporationWoori/Proseed joint company Nov. of 2001 Jun. of 2001 Contact Point:Jun Seki, KDDI (jun-seki@kddi.com) icePAY JAPAN Confidentiai Information

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