4 04/20/13About PayworldPayworld is an initiative from Sugal and Damani group of companies.Sugal & Damani is having group turnover exceeding INR 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 rechargesBill collectionOnline reservationLoyalty programsOnline financial transactionAt present Payworld is having more than 40,000 electronic terminals and is present in 16 states.
5 PayWorld – Key Highlights 04/20/13PayWorld – Key HighlightsIndia’s largest E-pin distributor and aggregator.Strong financial standing with debt free operations.Quality conscious: ISO 9001:2000 certificate.Payworld aspires to mark its Global presence by providing its Tech Solutions to various overseas entrepreneurs.
7 Business Overview: Online service Industry – Market Size 04/20/13Business Overview: Online service Industry – Market SizeTelecomThe estimated Indian pre-paid recharge market is approx. INR 70,000 Crore/monthTV RechargeThe estimated TV recharge market is approx. INR 10,000 CroreOnline ReservationAir: INR 30,000 Crore/annumBus: INR 15,000 Crore / annumRail : 9,00,000 tickets / dayBill CollectionThe estimated Bill Collection market is INR 1,50,000 Crore
8 Business Overview Services Offered by Payworld 04/20/13Business Overview Services Offered by PayworldPre Paid ProductsAll 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-upMobileGSM - BSNL, Vodafone, Airtel, IDEA, LOOP, MTNL, AircelCDMA - Reliance, TATACalling Cards - MTNL, Reliance, TATA, VodafoneTV Recharge - Tata Sky, Dish TV, Sun TV, Big TV, Airtel TV
9 Business Overview Services Offered by Payworld 04/20/13Business Overview Services Offered by Payworld
10 Business Overview Services Offered by Payworld Contd.. 04/20/13Business Overview Services Offered by Payworld Contd..Online ReservationsRail ReservationPayWorld 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.10
11 Business Overview Services Offered by Payworld Contd.. 04/20/13Business Overview Services Offered by Payworld Contd..Online ReservationsAirline ReservationDoing e-tickets for both Domestic and International carrier.
12 Business Overview Services Offered by Payworld Contd.. 04/20/13Business Overview Services Offered by Payworld Contd..Online ReservationsBus ReservationDoing reservation for all the major bus operators through aggregator such as Red Bus & Ticketvala.Coming SoonMovie TicketsAstrologyClassifieds
13 Business Overview Services Offered by Payworld Contd.. 04/20/13Business Overview Services Offered by Payworld Contd..Bill CollectionElectricityTelecom Post paidTax CollectionInsurance premium
14 Business Overview Services Offered by Payworld Contd.. 04/20/13Business Overview Services Offered by Payworld Contd..Services Coming SoonLoyaltyWe are planning to offer Loyalty program for small retail chains and retailers through our terminalsElectronic Fund TransferWe will be entering this segment as and when government deregulates this market, at present we are exploring the possibility of foreign remittance segment.
16 Payworld Operations in India 04/20/13Payworld Operations in IndiaPayworld is present in 16 states of India such as:Delhi and NCRPunjabHaryanaWest BengalOrissaAssamUttar Pradesh EastKarnatakaTamil Nadu/ChennaiMadhya PradeshAndhra PradeshRajasthanJharkhandHimachal PradeshGujaratMaharashtra/MumbaiGoa
17 For Tech software Problem 04/20/13Payworld Office / Call CentreCircle/ StateCall Centre LocationRemarkMumbaiMaharashtraPuneMaharastraNagpurNashikMahrastraAurangabadPunjabLudhianaWest Bengal / KolkattaKolkattaKarnatakaBangaloreTamil Nadu / ChennaiChennaiUP EastLucknowNational/ SW CallsDelhiFor Tech software Problem
18 Access Terminals PC POS EFT POS Mobile Phones 04/20/13PC POSEFT POSMobile PhonesWeb Portal:Windows based PCEmbedded 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 04/20/13Payworld ChannelsExisting Pay world ChannelLottery ChannelRetail Chains - National, Regional, City SpecificNational E-Governance program - CSC SchemesCorporate RetailersHome based retailersAPI business associate
20 Payworld Channels Contd.. 04/20/13Payworld Channels Contd..ChannelNumber of PointsNational E-Governance program tie ups, outlets in rural areas through companies like:3i InfotechSPANCOGNGUTLZoom Developers etc.18,000Modern Trade Retail:BPCLTATA SkyMAFCOCs etc…750Sugal & Damani Lottery outlets in Maharashtra, Punjab and West Bengal17,000Pay World Channel8,500Total44,250
23 Process Flow – Prepaid (E-PIN) 04/20/13Purchase Order for PINs given to CellcosElectronic PINs delivered by CellcosPayWorld ServerUploadedRetailer’s POS TerminalPIN Availability is checkedTransaction is confirmedPre-paid/ Billing SystemWalk-in CustomerVoucher is printedTop-up completedCustomer sends top-up request using his mobile phone
24 Process Flow – Pin Less (Flexi Recharge) 04/20/13Process Flow – Pin Less (Flexi Recharge)Purchase Order for E-recharge given to CellcosE-recharge value topped-up on PayWorld accountPayWorld ServerBilling/INRetailer’s POS TerminalE-Recharge request sent over existing VPN networkProcessed info sent thru VPNWalk-in CustomerSMSCSMS SentSMS Received on Customer’s Mobile
26 04/20/13Payworld StrengthsIn House Technical development, necessary on going changes / improvement as per demand of business can be done internallyNational tie up with all telecom operator’s, availability of pins at circle levels also.E-pin and Flexi for all operatorsStrong 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 04/20/13Payworld as Technical Solutions
28 Payworld as Technical Solutions 04/20/13Payworld as Technical SolutionsA 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.. 04/20/13Payworld 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 moreReports: Stock reports, Retailer balance details, Daily sales, Print last sale etc…Indefinitely ScalableCentralized control & real time information.
32 Point of Sale Terminals 04/20/13Network OverviewActive Data CenterDisaster Recovery CenterServer ClusterServer ClusterSecurity/Firewall/VPNLevel3 compliant super redundant facilityCommunications LayerVSAT GPRS CDMA Inet Dial-up Cable WiFiPoint of Sale Terminals
33 Network Components Access Network Transport Network 04/20/13Network ComponentsAccess NetworkCDMA – 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 NetworkMultiple 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.. 04/20/13Network Components Contd..Core NetworkLayer 3 Switching in redundant configuration.Multi-Path backbone router termination.SAN with dark fiber connectivity for synchronous replication.World class collocation with ample bandwidth.NMSAll 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 Regional/Zonal/ Head Offices 04/20/13Application OverviewLAMP Stack Architecture – Linux, Apache, MySql, PHPWebComponentsRetail ApplicationRDBMS(MySql)DeviceMiddlewareMonitoring &ManagementPOS TerminalsRegional/Zonal/ Head Offices
36 Storage, Back-up & Redundancy Arrangements 04/20/13Storage, Back-up & Redundancy ArrangementsThree 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 04/20/13Security / IntegrityT he 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 SecurityNetwork Level SecurityAccess NetworkTransport NetworkCore (Backbone) NetworkAuthentication and AuthorizationApplication Level SecurityOperational Practices involving IT Security
40 Our Carrier Class Firewall 04/20/13NetScreen from Juniper NetworksGeneral FeaturesDHCP support, DoS attack prevention, Firewall protection, NAT support, PAT support, VLAN support, VPNEnd-Point Security featuresComplete, 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.Juniper’s Endpoint Defense Initiative includes native functionality and client-and server-side APIs for effective enforcement and unified administration of best-of-breed endpoint security.