Collection | Loyalty | Payment | Mobile

One platform

One platform consisting of core modules: collection, loyalty, payment operation and mobile

One Platform for all

CollectionProducts

LoyaltyProducts

PaymentProducts Mobile

Products

CollectionPrepaid Topups, e-Voucher Operations,Postpaid, Standing Orders, Billing

LoyaltyEnrollment, Rewarding, Redeeming,Campaign-Promotion Definitions, Loyalty Cards, Gift Supplier Integrations, Cross-Loyalty Schemes, Sub-Loyalty Schemes

PaymentMobile Payment, Micro Payment, InternetShopping, Catalogue Shopping,Ticketing, Web Store Integrations, VPOS

MobileEnhances Collection, Loyalty andPayment Products. Form basis forBanking, Cardless Cash, InternationalMoney Remittance Products

Payflex Core Engine

AdvantageAccessibleHighly accessible web based and mobile interfaces includes groups, varing access rights, and action audit monitoring.

Multi-ChannelConventional transaction channels and ready integration with mobile channels.

System ManagementCreate, authorize, segment, restrict new channels easily forecasting future payments, preparing accurate budgets and measuring channel performances easily by gathering PayFlex Transaction and System Management Reports.

Cross‐platformHighly customizable structure with modular architecture Cross‐platform working ability with different technology environments such as .Net, Java, SQL, Oracle, etc. Scalable according to different performance requirements.

PayFlex is a subscriber focused system which facilitates the process for the subscriber and enables the operators to easily offer new financial services. PayFlex represents a breakthrough in financial transaction applications and implements a model which is far superior to traditional payment and loyalty systems that are mostly based on file exchanging principle and serving at dispersed locations. Through standardized online interfaces to a variety of channels such as banks, dealers, Kiosks, POS networks and Internet portal, PayFlex presents instant transactional information to the subscriber, validates him, offers a variety of options for payment and redemption methods, accepts the transaction and updates the operator’s relevant systems all online and in near real-time.

Robust and Secure ArchitectureMulti‐Tier Security to block any unauthorized access Full‐time system maintenance with Cluster Aware, Load Balance & Disaster Recovery Ready .Multi‐currencyMulti‐currency support at the same time Retrieve exchange ratesautomatically from the local bank or central bank system through WEB‐based service.Convert loyalty points to any currency at the time of redemption.

Flexible InfrastructureFlexible design of the infrastructure to add a new language to the platform quickly and easily. Currently supported languages: English, Turkish, Arabic, Russian, Azerbaijani, Kazakh, Roma-nian and Ukrainian

Bank Connection Interface Channel Interface

VPOS ClientInterface MPICall Center Interface

Fraud System Interface

Dynamic Message Converter Merchant Management

Customer Management

End‐of‐day Services

Enrollment UserManagement

CommissionManagement

LimitManagement

Reporting Services

Collection Core Loyalty Core Payment Core Mobile Core

Administration Interface External ConnectionsInterface

Campaign & PromotionManagement

Transaction ReconciliationServices

Post‐Prepaid SystemUser Interface

SMPP InterfacePayFlexInterfaces

PayFlexSupplementaryModules

PayFlex CorModules

Modular Structure

AdministrationInterfaces

ChannelInterfaces

User Management

Exte

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tility

Com

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Bank C

onnection Interface

Dynam

ic Message C

onverterCollection Core

Reporting Services

ReconciliationServices

Integration Interfaces for all players of the finance sector

• Banks• Utility Companies• System Admin• Customers• Collection Channels• Reconciliation Mgr.• Reporting Engine

Modular StructureCollection

Company Benifits• Appliable for both hierarchical structured organizations or direct sale channels• One platform to manage all type of collections and integrations• Modules can work online or offline according to your requirements• Diversity in payment channels and payment instruments• Increased revenue by collecting earlier and automatically• Increased revenue and decreased risks• 7/24 active multiple channels

Customer Benefits• Benefits from top‐up services by either conventional or mobile channels• Buy vouchers, activate them anytime anywhere• Pay as money in their pocket by using partial bill payment and partial top‐up• Make payment with advance payment option before the bills generated• Tax payments & donations from a variety of channels

TopupOperations

On demand top up

Manual e‐voucher saleBill payment

Advance payment

Partial payment

Installment

Tax collection Donations

OtherCollections

Bulk e‐vouchers sale

Indirect e‐voucher sale

e‐Voucher activation

Partial top up

Threshold top up

Periodic top up

Indirect top up

e‐VoucherOperations Bill

Payments

Meeting all needs of a pre-paid and post paid subscribers

Payflex Core Engine

Components of Payflex Collection

• Prepaid Topups• e-Voucher Operations• Postpaid Operations • Standing Orders• Billing Services

• Easy Enrollment• Diversity of Channels• Variety of Spending Schemes• Online Point Awarding• Redemption, Purchasing & Transfer• Discounts and Instant Gift Coupons• Campaigns and Promotions• Online Gift Store Integration• Multi‐Tier Loyalty Programs• Cross‐Loyalty Schemes• Sub‐Loyalty Schemes• Easy Settlement Management• Reporting Services

Features and Structure

PayFlex Loyalty, Examples

Parametric offline/online earning‐spending calculations:

Loyalty

• Manage loyalty campaigns for all operation data from multi-redemption channels• Dynamic definitions for both loyalty operations and channel management• Fully online and electronic, central management for all activities• Awarded loyalty product for financial operations of any kind• Supports both card integration and cardless operations• Customizable for different business models• Gift store integration and online gift order

• Additional vouchers for frequent usage• Exceeding usage levels - earn points• Random gift coupon or discount awarding• Campaigns for periods or special days (i.e. holidays and events)• Subscriber based definitions (i.e. x1.2 for age over 60, x2 on Birthday)• Cross‐Loyalty: earn miles in Fly Airlines and make topup to your mobile• Points for new customers (apply for credit card/loyalty card - earn points)

Payflex Core Engine

• Detailed and customisable reporting in different schemes• Extensive merchant payment file/report generation• Retailer/customer definable thresholds and limits• Campaigns and promotions message mgr.• Combinations of product and/or customers• Specific quantity of items or transactions• Auto or manual End‐of‐Day processs• Day/time/merchant/transaction type• Number of points or bonus amount• Static customer segment• Past spending habits

Utility C

ompany Interface

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AdministrationInterfaces User Management

ReconciliationServicesReporting Services

Enrollments Campaign &Promotions

Loyalty Core

Modular Structure

• E-Mobile Payment • Micro Payment • Internet Shopping • Catalogue Shopping • E-Ticketing • Web Store Integrations• Virtual Point of Sale

Micro Payment

Payment Examples:

Mobile PaymentPayment

• End of payment period, amount transferred from GSM operator to utility companys• For prepaid subscribers, transaction amount is decreased from air time• For postpaid subscribers, transaction amount is added to GSM bill• Charging GSM operator where amount is up to 25 USD• One channel that can reach billions of subscribers• No need for a physical card or POS device

Flexibility: Limits can be defined on any definition in the system: Subscriber, Merchant, Dealer, Channel, Service, Type, Product Type...

Low Costing Channel: Do not require POS , Card, etc. investments. Supported payment ways: SMS, Web‐Wap Inter-face, Java or PayFlex Mobile Payment Page Integration

Flexibility: Control and Low Costing Channel: These advantages of PayFlex Micro Payment already exists for PayFlex Mobile Payment

Operator Independent: Subscribers may use any operator’s number to receive SMS’s. PayFlex SMS sending operations may be provided by using PayFlex modem pool numbers without GSM operator agreement

Payflex Core Engine

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• No fixed limit for transaction amount - Defined by bank, company or the subscriber• Shopping by using mobile handset instead of cash, credit card or POS device• One time subscriber enrollment is required and credit card info needed • Prioritization on days of the month can be defined for multiple credit cards• End of payment period, payment is transferred from bank to utility company as a normal credit card payment.

=Security: During payments, no extra credit card, bank account or subscriber info rather than security PIN is required. All information given through enrollment is stored in the system in an encrypted format

Bank Independent: Any bank’s credit card can be used. Besides, contracted banks may have higher priority for transactions

Control: All transactions and system actions are under the control of utility company

Security: During payments, no extra credit card, bank account or subscriber info rather than security PIN is required

Street resellers Door deliveries Bill payments & prepaid topups

Mobile Money

VPOS Interfaces

VPOS Benefits

VOS Transaction Set

Virtual Point of Sale (VPOS)Specially designed to handle card not presented (CNP) transactions, PayFlex VPOS processes incoming transactions, converts and forwards them to banks, and manages the transaction flow between institutions and banks. All communication channels with the banks are secured by advanced cryptographic algorithms.

In addition to above listed transactions, the system periodically produces “I’m Alive” Messages, which can enable the system owner to remotely monitor the operational status of the system .

PayFlex VPOS provides the high levels of scalability and performance de-manded of today’s Internet based payment infrastructures. Integration with acquir-ers may be over ISO8583, Visa-2 based, XML or any other custom protocols. Multi-ple acquirers may be supported with intelligent routing features, which make Pay-Flex ideal for financial processors and service providers.

Designed for:• Automated payment processing for websites• Billing cycles for recurring payments• Card‐swipe, PC terminals, wireless POS• Full provisioning for an enterprise‐wide platform• Integration with loyalty systems and transactions

• Rich reporting tools• Fraud‐screening capabilities• Define different priorities for agreed banks• Easy integration with merchant applications• A single SSL certificate serves all merchants• Automatic payment validations, authorizations and scheduled settlements• Supports; major cards, prepaid recharges, bill payments, loyalty schemes

Financial Transactions• Authorization• Credit• Capture• Sale• Installment payments• Recurring payments• Charge‐backs• Refunds• Cancellations

“Card Not Present” transactions

SecureCode, Visa 3D Secure 1.0.2

• Add new merchants and configure merchants’ profiles• Add merchant users and configure their profiles• Change system parameters• Define and configure terminals for merchants• Activate and deactivate terminals• Start batch open and close operations• View, create, modify or cancel transactions

• Get encryption keys• Define merchant and terminal rights• View terminal parameters• Get transaction reports

Acquirer BankManagement

MerchantManagement

• New transactions added easily and quickly• Compliance with Verified by Visa, MasterCard

Loyalty Integration• Purchases with loyalty points• Loyalty data in the response • Loyalty data in request messages

Batch Operations• Batch open• Batch close• Batch upload• Batch purge

• M-Banking Solutions• Cardless Cash Transactions• Loyalty & Payment Products• International Money Remittance

Enhanced ProductsMobile

PayFlex Mobile is the mobile application framework that provides full mobile functional-ity to PayFlex Platform. The framework consist of integration and core modules for SMS, USSD, WAP and Handset Application (Java‐iPhone) channels .A highly flexible and fully integrated solution, Payflex Mobile Payment stores merchant definitions in a central repository, communicates with bank systems and enables a wide range of ser-vices via standard protocols over online links to various channels, such as Mobile Application based clients, WEB, WAP, SMS,USSD, IVR or Call Center.

PayFlex Mobile enhances;• Collection Products• Payment Products• Loyalty Products

PayFlex Mobile forms the basis for:• Mobile Banking Products• Cardless Cash Withdrawal Products• International Money Remittance Products

• Prepaid Topups and e‐Voucher operations• Bill Inquiries and Postpaid Payments• Add, edit or delete Standing Order Operations

• Enrollment, Account Information Change, Balance Inquiry...• Authorization: Internet and Face to Face Shopping...• Direct payment: Catalogue, Gaming, Ticketing, Parking...

• Enrollment, Account Information Change...• Balance Inquiry, Rewarding, Redeeming, Gift Order...• Campaign and Promotion Activities, e‐Voucher Operations.

Payflex Core Engine

Handset Applications (Java‐iPhone), Wap‐Web, SMS and USSD business flows instead of a POS terminal installation

Collection Products

Payment Products

Loyalty Products

Mobile PaymentPayflex Mobile Payment provides an environment where the GSM device can act as a credit or debit card, POS device, shopping channel, and authentication device, thereby enabling time and location independent, fast and secure sales under com-plete control of the bank. In this environment, payments can be executed on an online and real-time basis, and are reflected in real time to parties of sales.

Cardless Cash WithdrawalMobile BankingAccount Operations

Card Payments

Transfers

Other Services

Prepaid Operations

Postpaid Operations

Investments

• Balance and transactions

• Card information inquiry• Balance and spending• Credit card debt payment

• Bill debt inquiry• Payment by installation number• Standing orders

• Topup operations• e‐Voucher sales• Scheduled operations

• Location information (map)• Financial information• Advertising and new service info

• Intrabank transfer• Electronic funds transfer• IBAN, SWIFT

• Stock exchange• Foreign currency buy/sell• Mutual funds

• Enables bank customers to authorize them-selves or any other person to withdraw money from participated bak’s ATMs with only entering a security code without using a physical card

• The sender can authorize the receiver through diversity of channels including Portal, IVR, SMS and call center

• Only sender needs to register to the system, there is no need for the recipient to register to the system or even become a customer of the bank

• ATM, the amount or availability period can be predetermined by the sender or the system

• Recipient may withdraw money from any ATM by using the security code

International Money RemittancePayflex mobile banking software provides international money transfers between subscribers using a mobile device. The system is able to provide integrated mobile channels and 3rd party channels for international money transfer

Product features• Mobile channels and 3rd party channel integrations for international money transfer• Maintains integration between funding channels and Global Money Transfer Platforms• All transactions are examined within Global Settlement Network• Supports both variable or fixed pricing options• Handles currency exchanges and avoids inaccuracy• Improves transaction security with well-defined operation proceduresrCash To Mobile

Money collection and transaction initiation is done by a teller. Money is directly transfered to receiver's card account, debit account, GSM prepaid account or m-wallet.

Mobile to MobileTransaction is initiated within mobile device, the money is collected from the defined card account or debit account. Money is directly transfered to receiver's card account, debit account, GSM prepaid account or m-wallet.

Mobile to CashTransaction is initiated within mobile device, the money is collected from the defined card account or debit account. Receiver gets money from a teller, cardless ATM or a delivery service.

• SSL Protocol, Two Factor Authentications• 2Way/Mutual Authentications, Phishing protection• Full-encryption over incoming-outgoing messages• User and program authorization in each transaction• One time password (OTP)options

Funding Options

50.00 USD has been sent to you by PayFlex Mobile Money.Security Code: 73542435

Bank Teller

ATM

Mobile Balance

InternetMoney

Mobile phone application Security• PIN based user sessions• Unique customer number• No risky data stored on mobile device• Jar Signing & personal certification options• Obfuscated mobile application codes

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Login Main Menu Funds Transfer Funds Transfer Funds Transfer

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User ID: Bank 1 Bank 1 - Account 1

Bank 2Password:

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Money TransferPrevious TransOptionsHelp

Bank AccountWestern UnionMobileInternet Money

Account 235-6278Visa (3425 ****7685)

MC (3565 ****56785)

Balance: 300.00 USDTrans. Amt: 50.00 USDCost from: Account Amount Recipient

Bank 1Account 1 (1291‐324567)Trans. Amt. : 50.00 USDTrans. Fee : 5.50 USDRecip. : 00905552123344Security Code : 73542435Trans No : 412340Date : 14:50 24.08.2009

Bank 1Account 1 (1291‐324567)Trans. Amt. : 50.00 USDTrans. Fee : 5.50 USDCost From: AccountRecipient GSM 00905552123344

009055235872

Distribution Options

Distribution Channels

International Money Remittance

Received

Recipient receives funds

Recipient

Recipient

PayFlex Technology About Portlogic Systems Through technology suppliers Portlogic’s is is able to offer PayFlex, the operator no longer has to make massive investments to increase the number of nodes in its collection network: All branches of connected banks and organizations such as the Post or retailers, as well as their ATMs and internet banking facilities can act as virtual tellers of the operator. These, together with the operator’s dealer net-work and website create a large network to enable the subscribers to make their payments any time, at their location of choice.

Payflex technology is well tested in the field where it is currently being used in over 17 countries. Major players of the telecommunication sector, Banking and Finance and other industries now utilize the PayFlex platform. The system has handled transactions worth USD 60 billion per year.

References upon request:

Portlogic's delivery portals include Mobile, Internet and Kiosk terminals. All platforms provide secure front-end user interfaces and back-end server side-data management, administration, and consolidation. The company mission is to continually focus on researching, developing and marketing the most convenient and advanced tools that receive information and manage daily tasks.

Portlogic Systems Inc. (PGSY.OB) was originally founded as a web 2.0 software developer and solutions provider. The company has a number of dedicated server networks in both North America and Europe, from where it currently offers many of its software solutions. Through licensing agreements and continual software development the company provides content and application delivery to mobile phones such as ticketing, marketing and banking software systems.

Portlogic System's experience in managing scalable enterprise software solutions, whereby multiply users communicate and conduct transactions on a daily bases, puts it well placed to service the needs of companies seeking robust software solutions. For more details please visit www.portlogicsystems.com

UkraineNPAY, MTC, Life, KievStar, BeeLine,Ukr Telecom, Inter telekom, People.net

GermanyFord, Washtec

United KingdomFord Motors, Colorama

HollandCanon

FranceAltenor

AlbaniaAlbtelecom

SlovakiaPelikan SK

GreeceNational Bank of Greece

EgyptBeymen Cairo

CyprusKKTCell

RussiaEfes Beverages

MoldovaMoldCell Kazakhstan

KCell

AzerbaijanAzerCellUAE

DNRD

QatarMinistry of Interior

Saudi ArabiaSTC

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Main: +1 (702) 666-8868sales@portlogicsystems.com