March. 2010
NetAccess L-Series Seminar
Cost Saving and Competitive Edge
The award-winning NetAccess enterprise payment network equipment ensures dependable, steadfast, speedy yet affordable end-to-end connectivity for today’s financial institutions and merchants of all sizes.
NetAccess development is driven by intelligent messaging & routing algorithm across industry-standard hardware, its strengths lie in its simplicity and flexibility to adapt, realizing quicker ROI compared to proprietary firmware or hardware based approaches.
NetAccess: An Introduction
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NetAccess Product Suite
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Complete Payment Network Integration
An Introduction to the NetAccess L-Series
Small merchant Payment ExtenderTargeted small merchants with multiple
devices with different payment processes
NetAccess X-10 : At a Glance
X10
Powered by 60MHz ARM7 processor
Configurable pattern matching routing
Interconnects devices on retail desktop
Enable EDC for RS485,TCP/IP network environment
Energy efficient design, can drawn power from EDC power supply
Facilitates Contactless Payment Device
Supports up to 4 payment devices
X-10 Deployment Scenario
Configurable pattern matching routing
Route transaction based on card type
Intelligent routing of data between interconnected devices
Enable uplink to Host via GPRS or TCP/IP network
TCP/IP, RS485 downlinks Multiple RS232 support Multi-channel Auto-Fallback
Engine for continuous availability of uplinks
Cost savings with GPRS wireless connectivity replacing fixed lines
Small merchant Payment RouterTargeted small merchants with 1-3
EFTPOS terminals & wireless connectivity
NetAccess L-100 : At a Glance
L100
L-100 Deployment Scenario
Similar to L100 but more intelligence
Support up to 9 devices Built in network redundancy
Dual SIM Slots RS232,RS485, TCP/IP support Multi-channel Auto-Fallback
Engine for continuous availability of uplinks
Cost savings with GPRS wireless connectivity replacing fixed lines
SSL Supported PCI DSS-Ready Web based configuration
Highly Available Wireless Payment Router
Dual SIMs, supports 9 terminal connections
NetAccess L-200 : At a Glance
L200
Facilitates the concentration of multiple downlink devices including legacy dial-up EDC terminals, fixed-line telephony, and data
Multi-channel Auto-Fallback Engine for continuous availability of uplinks
Built in network redundancy with dual SIM slots
Downlink EDC connections: RS232, RS485, TCP/IP
Uplink host-side connections: RS485,TCP/IP, GPRS
GPRS and HSDPA versions HSDPA version allows voice and data
concurently Supports SSL and Id PCI-DSS ready Web based Configuration.
Small merchant Payment RouterThe NetAccess L-200 OPTIMUS is a
breakthrough payment router designed with the ultimate aim of reducing costs
for retailers.
NetAccess L-200 Optimus: At a Glance
L200 Optimus
Message filtering prevents non ISO8583 messages from reaching the bank host
Pipe encryption to the bank host (Open VPN & SSL)
Intelligent failover with up to 3 different communication channels (HSDPA, GPRS, ADSL, PSTN dialup – in any predefined order)
Wi-Fi connectivity Supports EDGE and HSDPA 3G network Dual SIM and Dual Ethernet supported Suited for medium-sized to large-sized
merchant environment and enables GPRS connection for up to 30 terminals using RS232, RS485 and TCP/IP protocols
Support both EDC and ATM applications TCP/IP, PSTNV.22 fast connect PCI DSS-ready Configurable via Web
Multi Lane Payment RouterVersatile, multi-function & robust yet affordable payment router for
connecting up to 30 EDC terminals in a LAN environment to payment hosts
NetAccess L-350 : At a Glance
L350
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NetAccess L-series Product Offering
NetAccess L-Series Product Offering
NetAccess Model
Uplink UplinkFailover?
Downlink Max No. of Terminal
Special Features
X-10 RS-485, TCP/IP No RS-232, RS-485,TCP/IP
3 (4) Convert PSTN terminal to multi-lane terminal
L50 GPRS, TCP/IP No PSTN ports,TCP/IP
3 Convert PSTN terminals to GPRS without software change
L100 GPRS, TCP/IP No RS232,RS485, TCP/IP
5 Improve EMV transaction speed of terminal by 5 sec from PSTN speed
L200 2x GPRS, TCP/IP Yes RS232,RS485, TCP/IP
10 2 mobile SIM for auto failover from primary GPRS to secondary GPRS
L200Optimus
2x GPRS, TCP/IP, GSM
Yes RS232,RS485, TCP/IP, PSTN
ports
10 Retail payment communication includes voice, fax and payment in one box to save
merchant money.
L300 GPRS/EDGE, TCP/IP, PSTN
Yes RS232,RS485, TCP/IP
15 3G/HSDPA uplink and WIFI downlink are optional
L350 GPRS/EDGE, 3G/HSDPA,
TCP/IP, PSTN
Yes RS232,RS485, TCP/IP, WIFI
30 (30-90) Can support 30 RS-485 devices, and with 30units X-10, can support up to 90
terminals
L1000 X.25, TCP/IP, ISDN
Yes RS232,RS485, TCP/IP
30 to 120 Ideal for setting up MallNet, loyalty& payment network in shopping mall
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L-Series Other DEPLOYMENT SCENARIOS
Multi-Lane Deployment
Wireless Deployment
L100
Contactless Deployments
X10L300
Able to take transactions from 3-5 terminals via RS232 or TCP/IP.
Uplink to central node via Share RS485 LAN
Uplink to the bank gateway via GPRS
Uplink via TCP/IP connection
Small Merchant Layout
Able to take transactions from 3-5 terminals via RS232 or TCP/IP
Uplink to central node via RS485 LAN
Uplink to the bank gateway via GPRS
Uplink via TCP/IP connection Automatic backup route options
Medium-Sized Merchant Layout
Up to 90 RS485 connections 100 TCP/IP connections ISDN on demand Leased Line PSTN
Large Merchant Layout
Existing Terminals: Extended Lives
RS-232 RS-232
RS-485 EthernetLength: 1.2 km
Length: 50 ft
GHL’s Solution for Transit
netAccess L-350
TCP/IP
AD
SL
/ 3G
FSI’s Host or
Transit Operator’s server
How it all comes together
GHL’s Solution for Bus
• Bus Validator device is offline & contactless– All transaction batch and comms managed by NA L100
• Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported
• Driver can choose to open only front doors (so alighting passengers must pass the exit validator)
Entrance
Exit
NetAccess: Key Advantages
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L-series Benefits and Competitive Edges for Acquirers
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PurchaseNew
Terminal
Low cost upgrading of Legacy Terminal to meet merchant’s new requirements
O3750
Vx510/IP combo
Vx610/GPRS
• Ind
ustr
y re
liabl
e w
orkh
orse
• Sol
d m
ostly
in 2
002
to 2
005
• PS
TN
Dia
lup
& t
wo
RS
-23
2 p
orts
• EM
V T
rx.
Tim
e 11
-15s
ec• M
erch
ant
like
the
use
r in
terf
ace
New
Pro
toco
ls a
nd M
erch
ant’s
Req
uire
men
ts Networking,RS-485 or IP
Need more ports
Desktop GPRS
Faster SalesTransaction Speed
Issues:• New terminal Certification effort• High terminal purchase cost• How to redeploy old terminal?• Difficult inventory management with more terminal type.• Merchant retraining on new
terminal.O3750
O3750
Use OldExistingTerminal
3 * RS-232
RS-485/RS-232
IP GPRS
L100
BenefitsCost <20%/(3 GPRS edc)8 sec transaction time
3 * RS-232
RS-485 IPBenefitsCost <10%/edcUse Existing Cabling
X-10
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Lower Cost of Ownership SolutionFor Acquiring Multi-lane Merchants
RS-232
RS-232
RS-485
Ethernet
Length: 1.2km
Length: 50 ft
Leased-line
or IP-VPN
PSTN
ADSL
GPRS PRI
SEC
TER
XLower by 85% CommunicationCost and with
two redundancyCost saving in using existing
Cabling (RS-485 or IP)
Using same (old) terminal for both dialup and
network. No need upgrade or separate inventory
Private and Confidential. Copyright of GHL Systems Berhad
Competitive Edge-Scenario 1- Chain 3edc/Outlet
Bank A Merchant A Bank B
Existing Acquirerwith MDR=1.7%using 3 dialup terminals
1. Proposal to acquire with MDR=1.6% using 3 dialup terminals
A2. Request Bank A to reduce MDR to 1.6% or lower
A3. Bank A approvedrequest.
B2. Director resolution to change bank
B3. Opening Bank B account
B4. Install Bank B terminals
B5. Training of cashier to use new terminals.
B6. Request Bank A to retrieve old terminals.
Bank A Merchant A Bank B
Existing Acquirerwith MDR=1.7%using 3 dialup terminals
1. Proposal to acquire with MDR=1.7% using 3 GPRS network terminals
A2. Request Bank A to provide new GPRS network terminals?
A3. Bank A not ready
with GPRS infra from GHL.
B2. Director resolution to change bank
B3. Opening Bank B account
B4. Install Bank B terminals
B5. Training of cashier to use new terminals.
B6. Request Bank A to retrieve old terminals.
Merchant’s Benefits:Save telephone charges of about RM100/month/outletFaster transaction time of 8 sec, reduce queuing at cashier
X
XGPRS
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Bank B Proposed Specifications
Bank C
IP-VPN Networking GHL’s L350
IP-VPN Primary Connection GPRS-1 and/or GPRS-2
ISDN Secondary Con. ADSL
None Tertiary Connection PSTN
New IP Cabling Cabling Existing RS-485
Higher Upfront Cost (CAPEX) Lower
RM1,500/month Monthly Cost RM200/month
Higher Transaction Cost Lower
Higher MDR Lower
Lost Sales Outcome Win
Competitive Edge-Scenario 2- 10 to 30 EDC terminals Multi-lane
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Competitive Edge-Scenario 3 – Battle of Desktops
Bank X Proposal to Merchant Bank Y
Dialup EDC Terminal EDC + L100
About RM100/month on RM100k/mth sales
Telephone Call
Charges
FREE
Lower Monthly Bank’s Cost Higher, <0.05% MDR
11 to 15 sec Transaction Time 8 sec
Same Proposed MDR Same
LOST Sales Outcome WIN
Bank X Bank Y
Rental=RM45/mth
Rental=RM87/mth(RM45+RM36+RM6)
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Competitive Edge-Scenario 4 – Low-cost Multi-Lane with 4 to 10 terminals
Bank Z
MerchantGPRS 1
GPRS 2
ADSL
Pri-GPRS
Sec-GPRS
Ter - ADSL
Bank’sNetwor
k
Bank Bank Z Bank M Bank N
Connection L200/2xGPRS IP-VPN PSTN dial-up
TCO- upfront & operation Medium High Low
MDR Medium Highest Lowest
Sales Outcome Win vs Bank M – lower MDR
Win vs Bank N – same MDR, faster and no communication cost for
merchant
Lost to Bank Z due
to MDR
Lost to Bank Z due
to terminal speed and no communication cost
RS-232 RS-232 RS-232
RS-232X-10 X-10X-10
L200
Private and Confidential. Copyright of GHL Systems Berhad
GHL’s Solution for Bus
• Bus Validator device is offline & contactless– All transaction batch and comms managed by NA L100
• Fixed fare, variable fare (tap on / tap off) & concessionary fares are all supported
• Driver can choose to open only front doors (so alighting passengers must pass the exit validator)
Entrance Exit
THANK YOU
Alex Tan
Vice President – International Sales
GHL Systems Berhad