XIUS Payment Bank

UNICORE:
COMPLETE BANKING
AND
PAYMENTS
SOLUTION
Who We Are
XIUS is a subsidiary of Megasoft Ltd. (Listed at

National Stock
Exchange, India) with
Registered American entity located at

Massachusetts
Head Office & Global Delivery Center at Hyderabad,
India
Over
2100
man years of telecom
expertise
Over
230
network deployments
How is XIUS different from the

rest ?
We have
120
patent applications filed;
awarded
Our solutions manage over

calls a day
315
We cater to operators & MVNOs across

continents
31
9001
& ISO
95%
27001
We own the IPR for our solutions;

ISO
million
components are built in-house
of our
Payment and Bankin

s
XIUS launched its Payments Solution in

2005
Implemented payment processing capabilities
for
Mobile Operators and Banks
Enabled services for over
18
Operators/Banks
globally
Handling over
500
K distribution
channel
points/agents
Volume of money moved - Over $
billion/month
200
1 Roaming
Handled
Payments & Money
topups across India
for operators like
Airtel, BPL, Hu1t1c11h,
and Idea
20092011Mobile
Deployed
Payment
& Mobile Money
Management
Platform
across 14 properties
of
200
5
Mobile Payments
& Mobile Money
Management
Platform
Launched.
Citibank payments
engine
201
1 our first
Launched
Mobile based
Banking Solution
for Diemos
Unbanked
Segment in
Venezuela
200
6 our first
Deployed
Mobile Payment &
Mobile Money
Management
Platform
Internationally
(Telefonica Ecuador)
200
8 Mobile
Deployed
Payment &
Mobile Money
Management
Platform for
Celcom
Subsidiary,
Malaysia
201
201
2
Launched
Government
Money Transfer
Services
3
Launched
International
Money Transfer &
Payment Services
A BankFor The Unbanked: DIEMO
Servic
Basic Savings account
Savings account
services
Person to person money transfer

and receipts
Person to merchant Payments

Utility
Payments
Merchant Account Payments
Establishing Merchant accounts for SME and

unbanked
es
Accepting Payments, Transfers for sale of

services/goods
Govt.
subsidies distribution Cashless
XIUSPaymen Bank- Servic Framewor

t
Bank Accounts will be created

for
Customers, Agents,
Merchants
All funds will reside in XIUS Core Banking Eco
System
Account holders use new age technologies like
Mobile,
Kiosks, Web to perform
transactions
Agent based banking network enables cash in /
cash out
capabilities in conjunction to technology based
channels
Account will be integrated with various channels /
services
for fund
utilization
XIUSPaymen Bank- Technology

t
Overview
XIUS Core Banking Eco System

Payments
Customer Account
Custome
Apps
USSD
SMS
Local-
IVR
Management
Any Mobile
Device
Agent
Web GUI
(WAP,GPRS
Corner
Store
)
NFC
STK
API
Management
Securit
Language
ISO
Agent
Admin/User
Management
CRM
Tools
Reporti
Authentication
ng
Testin
g
MIS
Integrationon
and Interconnect GW
Layer
8583
Web
Service
y
Audit
Logging
MonitorinSettlement
g
HSM, Bio- s
metrics
Reconciliati
&
Mobile
s
SFTP
LDAPV3
Socket
Banking
Interne
t
Bankin
gCard
Transfer
Western
s
Union/
MoneyGra
VISA/Master
m
/
AMEX
NEFT/RTGS
Payment
Switc
CRM
h
/
IMPS
Biller
s
CF
T
Call
Center
ER
P
AML
XIUSPaymen Bank- Servic Feature

t
Customer & Account

Management
Customer
Registration
Balance
Management
Transaction
Balance Enquiry
Gateway Transaction Processing and
Monitoring
Multiple Types of Transaction

Support
o Peer to Peer Transfer
o Peer to Business / Enterprise
Transfer
o Deposits / Collections
o Withdrawals
o Payments to Business /
XIUSPayment
Bank
- High Leve Feature

l
eFunding
GatewayAbility to process varied payments using
Notifications and Fee Charge
Notification engine defines alerts and

management
multiple electronic payment types
notifications for different events /
Interface with other banking

systems, ATM,
transactions
Credit Cards and 3rd party

payment
processors
Supports ISO 8583 based service
integrations
Facilitates defining a transaction

fee to the
service initiator or the recipient in
case of
P2M transfers or other utility payments
AgentBase Bankin Syste Overvie

d
XIUS Agent Based Banking

Platform
Service
Creation &
Configuratio
n
Agent
Managemen
User Authentication
via
Agent
Finger Print
CaptureKiosk
Cor
e
Gatewa
ng
Security
&
Distributio
Fraud
Utility
Banki
/t
eFundin
Provider
Communicati
Gatewa
Other
y
SMS/USSD
Banks
Manage
Commissio
ment
nt
n
ns
&
Email/We
Settlemen
ts
on
Manageme
Transactio
Gatewa
Service
Agen
t
Agent Management High Level

Features
Ease in creation of distribution
hierarchy
Supports up to 5 levels of distribution
hierarchy
Agents can hold virtual
balances
Agents are classified as Prepaid and
Postpaid
Peer to peer transfers Agents can transfer balance to their
peers
in the distribution
hierarchy
Agents Portability (Can be moved to a different parent
in the
distribution
hierarchy)
Supports Synchronous and Asynchronous modes of
transactions
Comprehensive access control, security and fraud
configurations
Settlement and Reconciliation High Level

Features
Comprehensive Reconciliation
Capability
Supports Real Time Reconciliation / Time Staged Recon (EoD) /
(EoM)
Post Reconciliation Discrepancies are highlighted for
action
Threshold configurations for Service / Channels wiles
discrepancies
If Threshold is breached alarm generation and automatic service
disabling can
be
configured
On reconciliation, Settlement summary based on configured settlement
dates.
Settlement summary reports per node / stakeholder in Eco-
system
Use of Transaction info for Trend Analysis and refinement of
thresholds.
XIUS Payment Bank -
Leve Feature
High
Service
Allows in creating and managing

creation/Configuration
Ubiquitous Access & Multi

Lingual
various
services and configurations

Service creation and configuration
include
P2P transfers (Intra/Inter
Tax & Interest
bank)
Management
Balance Enquiry
Statement Enquiry ( for a

period)
Credit card/Debit card
request
Stop payments
Lost card reporting
Commission Management Define

commissions at various Distribution
levels
Fraud
Management
Multiple PIN Management Access PIN, Transaction PIN, OTP,

Merchant
Transfers
PIN
3DES / SSL over HTTPS / Secured VPNs / Encrypted Data transfer /
PUK and
PIN
Management
Protects Bank against fraud risk on customer-direct
transactions
Pre-configured fraud rules for identifying high-risk
transactions
Transaction specific configurable fraud
rules
Different treatments can be defined when a transaction trips a
fraud rule
Soft-block or hard-
block
CSRs can override treatments based on authority
level
Loyalt and Promotion

y
Incentivize subscribers to use specific mWallet / mBanking
channels
Offer unique marketing programs for example, subscribers earn

points for
each transaction that can later be redeemed for branded
merchandise
Allows payment channel to become a revenue source versus a cost

center
Multi
Channel
Grievanc
Customer
Experie
nce
Inde
x
es
Receipt
Custome
s
Quick &
Easy
Realtime
Multi-Tiered
Monitoring
Redressa
With
Auto
Escalatio
ns
Nodal
Office
rs
Centralize BackOfceCentr
d
Monitor Transactions, their status, TAT, Customer Experience

Index
Highly automated business Process
Automated Account and Balance Management
Multi-Tiered Reporting and Control
Settlement and Reconciliation
GenerationAdherence
and Delivery of Compliance
Compliance
Management
Compliance Adherence Score Card
MIS Tiered and Periodic Adherence Reporting
Account, Customer, Balances, Transactions, Transaction

Reporting
Status, TAT,
Customer Experience Index, Compliance Reports

Agent, Circle, Zone, Head Ofice level reporting
Central, Regulatory, Compliance Reporting
XIUSPaymen Bankin Platform- Integration

t
SOA based web services Framework Aggregate
transactions, Fund sources, Payment
interface and align them to each service

Platform Can Interface
with ISO 8583 - National banking systems

(NEFT /
RTGS) / ATM / POS
Web Services - Mobile Application /

SMS / USSD
/ IVR
Web Services - Utility Service
Providers / Merchant
Applications

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UNICORE:

XIUS is a subsidiary of Megasoft Ltd. (Listed at

Exchange, India) with

Registered American entity located at

man years of telecom

How is XIUS different from the

patent applications filed;

Our solutions manage over

We cater to operators & MVNOs across

We own the IPR for our solutions;

components are built in-house

Payment and Bankin

XIUS launched its Payments Solution in

Mobile Operators and Banks

Enabled services for over

A BankFor The Unbanked: DIEMO

Basic Savings account

Person to person money transfer

Person to merchant Payments

Merchant Account Payments

Establishing Merchant accounts for SME and

Accepting Payments, Transfers for sale of

XIUSPaymen Bank- Servic Framewor

Bank Accounts will be created

XIUSPaymen Bank- Technology

XIUS Core Banking Eco System

XIUSPaymen Bank- Servic Feature

Customer & Account

Multiple Types of Transaction

- High Leve Feature

GatewayAbility to process varied payments using

Notifications and Fee Charge

Notification engine defines alerts and

multiple electronic payment types

notifications for different events /

Interface with other banking

Credit Cards and 3rd party

Facilitates defining a transaction

AgentBase Bankin Syste Overvie

XIUS Agent Based Banking

Agent Management High Level

Ease in creation of distribution

Settlement and Reconciliation High Level

XIUS Payment Bank -

Allows in creating and managing

Ubiquitous Access & Multi

services and configurations

P2P transfers (Intra/Inter

Tax & Interest

Statement Enquiry ( for a

Commission Management Define

Multiple PIN Management Access PIN, Transaction PIN, OTP,

Loyalt and Promotion

Incentivize subscribers to use specific mWallet / mBanking

Offer unique marketing programs for example, subscribers earn

Allows payment channel to become a revenue source versus a cost

Monitor Transactions, their status, TAT, Customer Experience

Highly automated business Process

Automated Account and Balance Management