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Gifting Emotion Paper

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Submitted By yousufrafi
Words 2343
Pages 10
Mobile Financial Service Solution
Online Payment services
Gifting Emotions

Contents
1.

Introduction to Mobilink and Mobicash ........................................................................................... 3

2.

Online payment solution ................................................................................................................... 5

2.1

Mobile wallet based online payment solution-Gifting Emotions...................................................... 5

2.1.1 Via mobile wallet .............................................................................................................................. 5
2.1.2 Over the counter payments (OTC) .................................................................................................... 6
2.1.3 Credit/Debit Card payments.............................................................................................................. 7
2.2

Escrow Payments .............................................................................................................................. 8

3.

Payment Gateway features ................................................................................................................ 9

3.1

Customer portal ................................................................................................................................. 9

3.2

Merchant portal ................................................................................................................................. 9

4.

Value proposition for Gifting Emotions ........................................................................................... 9

5.

Integration ....................................................................................................................................... 10

5.1

Sandbox environment ..................................................................................................................... 10

5.2

Dedicated integration team ............................................................................................................. 10

5.3

Platform specific plugins ................................................................................................................ 10

5.4

Platform independent plugins ......................................................................................................... 11

5.5

Language specific plugins ............................................................................................................... 11

6.

Funds settlement ............................................................................................................................. 11

6.1

Mobile Account .............................................................................................................................. 11

6.2

Over the counter transactions .......................................................................................................... 11

6.3

Credit/debit cards ............................................................................................................................ 11

7.

Complaint resolution ....................................................................................................................... 11

8.

Reporting and Reconciliation.......................................................................................................... 11

8.1

Pricing ............................................................................................................................................. 12

9.

Proposal Requirements: .................................................................................................................. 12

10.

Disclaimers/Confidentiality ............................................................................................................ 12

Page 2 of 13

1. Introduction to Mobilink and Mobicash
Pakistan Mobile Communication Limited (PMCL), Mobilink was incorporated on December 27, 1990 and currently holds four licenses namely Pakistan Telecommunication Authority’s (“PTA”) Mobile
Cellular License – Pakistan, PTA’s Mobile Cellular License – Azad Jammu and Kashmir and Northern
Areas, PTA’s Class Value Added Services License- AJK and PTA’s Class Value Added Service LicenseNorthern Areas.
Mobilink is owned by Global Telecom Holding (previously known as Orascom Telecom Holding) through its subsidiaries International Wireless Communications Pakistan Limited and Telecom
Management Group Limited (0.58%). Furthermore, Global Telecom Holding is owned by VimpelCom.
Mobilink is Pakistan’s leading cellular and data service provider. With more than 37 million subscribers, Mobilink maintains market leadership through cutting-edge, integrated technology, the strongest brand and the largest portfolio of value added services in the industry. Mobilink hosts the country’s largest cellular network footprint with over 9,000 cell sites and a 6,700 kilometers fiber optic backbone which provide our customers an unprecedented countrywide connectivity across 20,000+ cities, towns and villages.
Vimpelcom is one of the world’s largest integrated telecommunications services operators providing voice and data services through a range of traditional and broadband mobile and fixed technologies in Russia, Italy, Ukraine, Kazakhstan, Uzbekistan, Tajikistan, Armenia, Georgia, Kyrgyzstan, Laos,
Algeria, Bangladesh, Pakistan, Burundi, Zimbabwe, Central African Republic and Canada. Vimpelcom’
S operations around the globe cover territory with a total population of approximately 753 million people. Vimpelcom provides services under the "Beeline", "Kyivstar", "djuice", “WIND”, "Infostrada"
“Mobilink”, “Leo”, “banglalink”, “Telecel”, and “Djezzy” brands. As of September 30, 2013 Vimpelcom had 219 million mobile subscribers on a combined basis. Vimpelcom is traded on the NASDAQ Global
Select Market under the symbol (VIP).

Page 3 of 13

Waseela Microfinance Bank Limited (WMBL) is a licensed microfinance bank in Pakistan by State
Bank of Pakistan under ‘Microfinance Institution Ordinance 2001’ and a bank having nationwide operating mandate. WMBL started its operations on May 2, 2012. Global Telecom Holding S.A.E
(“Global Telecom”) is the major sponsor of the Bank and is the owner of Pakistan largest mobile phone operator, Pakistan Mobile Communication Limited (PMCL), “Mobilink”.
In 2012, Mobilink ventured into the branchless banking arena in collaboration with Waseela
Microfinance Bank Limited under the brand name “Mobicash”. This branchless banking initiative focuses on providing mobile financial services to the unbanked population of the country. In only a year’s time, the branchless banking initiative is available at more than 55,000 + retailers nationwide.
The retailer expansion plan is aggressive as the company plans to cover every town, city and village in the country. Moreover, Mobicash is offering a wide array of products to its customers including domestic remittances, utility bill payments, mobile wallets and savings.
Mobicash is designed to provide a Fast, Convenient and Easy means of financial services for the many
Pakistanis without access to conventional banking and is available to anyone across Pakistan with


No Need for a Bank Account



No joining Fees



No monthly Charges

Transactions can be conducted from:


55,000+ Retailers



396 Mobilink Franchises



21 Mobilink Business Centers



30 WMBL Branches

Page 4 of 13

2. Online payment solution
Given our expanding portfolio of branchless banking products, an online payment solution is being offered to Gifting Emotions. Payment can be collected for Gifting Emotions directly from customers through a mobile account, over the counter and through debit/credit card. Mobile wallets can be opened by any customer holding a Mobilink SIM from selective retail outlets, Mobilink business centers, franchises and WMBL branches.
Customized branchless banking solution for online payments will have the following features:


A simplified online payment mechanism that would enable customers to pay directly from their mobile accounts, over the counter and credit/debit cards on the website



Better financial management with reduced collection cycles compared to cash on delivery method 

Merchant portal on payment gateway will enable merchants to see the transactions in real time, manage cash flows and calculate daily sales.



Customer convenience of depositing or withdrawing cash from more than 55,000 locations across the country




Fund transfer to the company account maintained at WMBL



2.1

A unique solution to enable higher sales with a secure payment mode

Strong authentication via pin based USSD menu on customer mobile wallets

Mobile wallet based online payment solution-Gifting Emotions

Process flow for online payment solution is as follow:

2.1.1 Via mobile wallet o Customer will visit the website Gifting Emotions

o

Customer create a premium add

o

When customer is done inputting the information about his card

o

Payment options are displayed to the customer

o

“Pay through Mobicash Wallet” selected as payment option

Page 5 of 13

o

Customer mobile wallet details( MSISDN-mobile number) entered in specific field and payment button selected

o

Transaction will be routed to the Mobicash server through the online website server

o

System will verify the mobile wallet details and message sent to the customer for transaction authentication

o

Customer enters unique mobile pin on own handset as reply to message sent by server

o

Transaction verification done through server and success response sent to website

o

Payment authentication and confirmation message shown to customer on website screen

o

Transaction marked as paid on website server and processing of order done

2.1.2 Over the counter payments (OTC)
1. Customer will visit the merchant website.
2. Selected the required good or services and click pay through WMBL.
3. The customer will be routed to the Mobicash payment gateway website.
4. Upon selection of over the counter (OTC) payment.
Page 6 of 13

5. Customer will receive SMS which will contain over the counter payment order id/voucher number. 6. Customer will visit the nearest Mobicash shop and present the same Order Id/Voucher number to the retailer
7. The retailer will input the order id/voucher number in the USSD menu option
8. The USSD will respond with due amount.
9. Retailer will take the due amount from the customer and mark the payment as Paid in the system.
10. Upon successful payment customer will receive SMS informing the customer about successful payment 2.1.3 Credit/Debit Card payments
1.
2.
3.
4.
5.

Customer will visit the merchant website.
Selected the required good or services and click pay through WMBL (Mobicash).
The customer will be routed to the WMBL (Mobicash) payment Gateway website.
Upon selection of Card payment.
Customer will enter the card number, expiry date and CVV2 of the card on the WMBL (Mobicash) payment gateway website and click pay.
6. The payment will be deducted from customer credit or debit card account.
7. Upon successful payment an SMS will be received notifying the deducted amount.

Page 7 of 13

2.2 Escrow Payments
Mobicash will be the first payment gateway in Pakistan to enable escrow payments for customers, where a customer can pay the payment upfront to merchant, Mobicash will take the merchants money and hold it till the customer can come on to the Mobicash customer portal and mark the transaction as received.
This will trigger the funds transfer in the merchants account.
The period for the customers can be set by the merchant according to the maximum delivery time of the goods. Mobicash

Page 8 of 13

3. Payment Gateway features
3.1 Customer portal
Customer will have a registration portal which will the following features:
a.
b.
c.
d.
e.

Customer login
Escrow processing for each transaction (updating as received or disputed)
Payment instrument linking (such as mobile account)
Transaction history
Balance inquires of linked instrument (Mobile account)

3.2 Merchant portal
Merchant will be provided with a merchant portal where merchants will have the following views.
a.
b.
c.
d.
e.

Merchant login for back-office
Transaction views
Instrument wise transaction views
Download settlement report
Get real time balance inquiry

4. Value proposition for Gifting Emotions
Merchant Promotional support program


Using total Facebook page likes of 3 million users, Mobicash will help generate and redirect traffic from Facebook to merchant page through promotional messages placed on Mobicash and
Mobilink pages.



Currently 35 million Mobilink subscriber base available for direct marketing through promotional and information SMS



After merger with Warid 10 million subscribers base will be available for direct promotional activities •

In near future Total of 45 million subscriber base will be available for promotional activities.



Merchant Promotional visibility to 600,000 visitor per month on Mobilink.com.pk



Merchant promotional visibility to 50,000 visitor per month on Mobicash.com.pk



Merchant promotional visibility to over 600,000 per month visitors.



Collection channel available through 55,000 Mobicash outlets across Pakistan.



Ease of payment for customers in terms of greater reach and processing of payments 24/7
Page 9 of 13



Joint marketing efforts to drive online sales through branding of website and SMS marketing etc.



Reporting and complaint management facility



Visibility being provided to the organization on merchandise sales as per their requirements
Customer Promotion
For every transaction accepted through Mobile Accounts customer will be given 1% cash back, this will help drive transaction for merchants. This will be a limited time offer to promote customer transactions on merchants.
Promotional awareness program for merchants to promote the product on digital mediums through
Mobilink (Facebook, websites)

SMS Promotional Program for merchant to promote products in
Mobilink subscriber base

1% cash back for customers on every payment through Mobile
Account

5. Integration
Mobicash payment gateway will offer swift and effortless integration for merchants by providing them the required integration plugins.

5.1 Sandbox environment
Merchant will get out of the box sandbox environment to create change and integrate on replica of live environment with test credentials, where merchants can change various variable for completing SIT swiftly. 5.2 Dedicated integration team
Mobicash will have a dedicated integration team for merchants to help them throughout the integration process, the team will help merchants to understand the integration documentation, open testing account and view message exchange in real-time.

5.3 Platform specific plugins
Mobicash payment gateway will have the plugins to integrate merchant website built on the largest ecommerce platforms such as Magneto, Shopify, which will enable merchants to integrate with the system swiftly and seamlessly. The integration plugins can be uploaded in the merchant platforms.

Page 10 of 13

5.4 Platform independent plugins
Mobicash payment gateway will have platform independent plugins which can be placed on merchant’s checkout page, the plugins will be built on HTML and JavaScript to simply merchant integration.

5.5 Language specific plugins
Mobicash payment gateway will provide language specific plugins for widely used languages such as C#,
ASP.net, PHP to enable merchant to integrate with Mobicash payment gateway system by using the language libraries (dll, JAR).

6. Funds settlement
6.1 Mobile Account
Mobile accounts transaction funds will be settled in the merchant’s core banking account on the next working day, the funds will be available in the merchant’s bank account to be utilized for cash flow activities. 6.2 Over the counter transactions
Over the counter transaction funds will be settled in the merchant’s core banking account on the next working day, the funds will be available in the merchant’s bank account to be utilized for cash flow activities. 6.3 Credit/debit cards
For credit or debit cards transaction the funds will be available in the merchant’s core banking account in maximum of 5 working days.

7. Complaint resolution
For Gifting Emotions, a complaint handling group will be created where the customers and the staff of the organization can share their complaints. The email group will contain representation from both Waseela
Bank (WMBL) as well as PMCL.

8. Reporting and Reconciliation
Gifting Emotions will be provided merchant management portal where merchant can see the following reports


Merchant wise transaction report
Page 11 of 13



Payment instrument wise payment report



Reconciliation report

8.1 Pricing
3.0% of the transaction amount excluding FED will be charged to Gifting Emotions

9. Proposal Requirements:


Acceptance of work flow of online payment solution



Commercial acceptance of proposal



Legal agreement



Project plan finalization for launch



Opening of account at Waseela Microfinance Bank Limited (WMBL) for payment collection

Propsal submission

Proposal acceptance Integration-SIT
Merchant Go live

(dependent updon merchant rediness)

Agreement signing and document collection WMBL Bank account opening

10. Disclaimers/Confidentiality
The information contained in this proposal document shall be held in strict confidence by Gifting
Emotions and its associated concerns and shall not:
(i)

Be divulged to any third party other than Gifting Emotions team which needs to know the same for the purposes of evaluating whether to take up the Branchless Banking retailer collection and disbursement process.

Page 12 of 13

(ii)

be reproduced in any manner; and

(iii)

Be used other than for the purpose of the Evaluation.

This document is a proposal document prepared by Mobicash team for information is purposes only and does not constitute an offer to provide branchless banking services. The information contained in this proposal document does not purport to be all inclusive or to contain all information Gifting
Emotions may require.

Page 13 of 13

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...Acclaim for Chuck Palahniuk’s Choke “Just as dark and outrageous as his previous work. … His voice is so distinctive that he exists as a genre unto himself.” —The Washington Post “Palahniuk’s language is urgent and tense, touched with psychopathic brilliance, his images dead-on accurate. … [He] is an author who makes full use of the alchemical powers of fiction to synthesize a universe that mirrors our own fiction as a way of illuminating the world without obliterating its complexity.” —LA Weekly “Puts a bleakly humorous spin on self-help, addiction recovery, and childhood trauma. … Choke’s funny, mantra-like prose plows toward the mayhem it portends from the get-go.” —The Village Voice “Oddly, defiantly, addictive.” happily —Daily News “[Choke] shines a flashlight into America’s dark corners. … As darkly comic and starkly terrifying as your high school yearbook photo.” —GQ “Palahniuk is a gifted writer, and the novel is full of terrific lines.” —The New York Times Book Review “[Palahniuk’s] most enduring trait … is that marvelous quicksilver voice of his. … The exuberance of his language makes it still worthwhile to brave these often chilly and dark waters.” —The Oregonian “Choke is another welcome antidote to antiseptic consumer life, and you can’t blame it for grabbing you by the throat.” —Maxim “Palahniuk is a cult writer in the truest sense.” —Entertainment Weekly “His subversive riffs conjure a kind of jump-cut cinema of the diseased imagination, resulting...

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Jesus Is

...Praise for Jesus Is _____. “Judah Smith is a unique gift to my generation. In Jesus Is _____ , he will motivate you to let go of your preconceived, limited view of Jesus so you can embrace who He really is in our lives—more real and relevant than we have ever imagined.” —S te v en F u rtick , le a d pa Stor , e le vation c h u rch a n d author oF th e Ne w Yor k T im es beStSeller G r e aTer “Perhaps the most daunting and humbling task we have as Christians is to finish the sentence ‘Jesus is . . . .’ As many of us saved by His grace are aware, He is King. He is Lord. He is salvation. But to many in our world, He is most prominently . . . misunderstood. There is not another human being on earth whom I know personally, who could tackle a book subject like this as well as Judah Smith. To Judah, Jesus is everything. And from that platform he writes this book. I eagerly await its impact in my city, New York City, and beyond . . . it’s overdue.” —c a r l l entz , le a d pa Stor , h illSong c h u rch , n e w Yor k c it Y “Every once in a while a book is written that does not only contain a powerful message but the author is a living embodiment of the message thus making the book all the more life changing! The book you are holding in your hands is one of those. As you read through this book you will discover that Jesus is not at all like you thought and so much more than you imagined.” —c h r iStin e c a in e , Fou n der oF th e a21 c a mpa ign 00-01_Jesus Is.indd...

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