Provus Brochure 02

Focus on 3D Secure E-commerce Solution May 2012 | e-newletter

3D Secure

FULL 3D Secure Services

E-commerce Solution

Acquiring

E-commerce Solution

Issuing

E-commerce Solution

Acquiring Merchant interface

24/7/365

Customer support available

3D Secure | E-Commerce

E-Commerce In Romanian market, as well as all over the world, E-commerce business has been increasing rapidly in the past years and is still maintaining this growth trend in a fashion that makes us believe that e-Commerce is the “product of the moment�. Even considering the fact that in Romania, the majority of the population is yet unfamiliar with the concept of internet payments, the growth tendency is obvious sustained.

Statistics show that, with a few exceptions the increase in e-Commerce transaction is around 10% - 15%/ months.

Issuing Banks can easily encourage its clients to use their cards for online paymentson internet by presenting the 2 principal advantages: the security and the fact that is the handiest method of payment.

We believe our –Commerce solution, both for issuing and acquiring, to be the best in the market and we trust that you will too, considering also the fact that we provide 80% of the e-Commerce business in Romania.

Please let us introduce you to the best e-Commerce solution, provided, as always, by ROMCARD

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E-commerce Solution | 3D Secure

3D Secure – E-commerce Solution 3DSecure is a win-win strategy – it not only protects the card against un-authorized use, it also means the cardholder can be confident that the online merchant has made a priority out of securing his on-line shop.

BENEFITS • Provides global framework for the authentication of remote payments • Reduces operational expense by minimizing chargebacks for unauthorized use • Can be implemented without requiring specialized cardholder/merchant software or hardware • Increased consumer confidence which results directly in increasing sales • Increasing acceptance of payment cards by increasing confidence in online transactions of merchants • Decrease number of disputed trans-

actions and reducing costs • Increasing the total value of merchant card users by reducing fraud, which is the highest percentage of Internet fraud; • Protect merchants and acquiring banks in disputes, by rule of Liability Shift • Add value to existing products by providing additional authentication and reduce fraud; • No need for additional equipment for cardholders to access these services; • No impact on software, hardware and current procedures • Added security on Internet card usage; • Comfort in making online shopping; • Confidence in Internet purchases; • Control card use in the virtual environment

May 2012

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3D Secure | Acquiring

3D Secure Acquiring – E-commerce Solution In order to be able to accept 3DSecure transactions an acquiring bank must be certified for MasterCard SecureCode and Verified by Visa. RomCard provides a “turn key” solution to the acquiring banks and will perform the entire certification, with the international payment systems (Visa/MasterCard), on behalf of the bank. Once certified, the bank will have access to the following features, provided by our MPI solution: • Unlimited merchant accounts; • Multi-currency processing (currently: EUR, USD, RON); • Multi-languages payment interface;

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• personalized merchant integration; • Flexible merchant interface; • Cross platform solution; • Personalized reporting; • Daily reporting; • Clearing services with Visa and MasterCard • High performance load balanced environment; • Additional features can be easily added by request: • Installment transactions • Flexible ecommerce loyalty scheme; • 3DSecure recurring transactions;

Issuing | 3D Secure

3D Secure Issuing – E-commerce Solution In order to be able to enroll its cards into 3DSecure an issuing bank must be certified for MasterCard SecureCode Issuing and Verified

by Visa Issuing services. RomCard provides a complete solution to the issuing banks and will perform the entire certification, with Visa and MasterCard, on behalf of the bank. After certification the bank can enroll its card into 3DSecure platform and will have access to the following services, provided by our ACS: • Multi-currency processing (any currency) is available; • Unlimited card numbers may be enrolled; • Multi-language authentication screen;

• Multi-language activation screen; • Simple and easy management of enrolled cards • Personalized activation screen based on the bank needs • Card activation screen linked with RomCard website • High performance load balanced environment • Additional features can be easily added by request: • Activation During Shopping – can be available upon bank request • Integrated call center services for cardholder actions (password reset, counters resets, etc.)

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3D Secure | Full Services

FULL 3D Secure Services a) Full 3D Secure services – to issuing and acquiring banks (verified by VISA and MasterCard Secure code), plus Activation During Shopping - ADS option available for the Issuers b) 3D Secure Certification is performed by using MPI testing platform for the acquiring banks & ACS testing platform for the issuing banks c) The contract with the virtual merchants are signed by the acquiring banks d) The configuration of 3D Secure Interface between us and the merchant is performed

by RomCard e) We are registering the 3D Secure configured merchants on VISA/MasterCard Directory Server f) ADS- Activation during shopping option in place- Issuing

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g) Dual Servers in place for Acquiring / Issuing banks h) The e-Commerce transactions are processed on behalf of the Acquiring banks • Recurring payments – implemented for eCommerce VISA and MasterCard transactions using 3D Secure platform • Online installments – e-Commerce transactions at merchants having installments reimbursement option • Integrator processing system- allows online payments performed with cards issued by VISA and MasterCard for purchasing services by a certain merchant.

• Bank system (issuing or acquiring) will be not technically affected by the implementation of those services

Acquiring - Merchant interface | 3D Secure

Acquiring – Merchant interface • Personalized payment interface per merchant • Merchant-specific configuration • Interface independent of the merchant web platform

• Support for several merchant authentication methods (HMAC-SHA1, RSA) • Secure payment interface • Additional features by request

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Customer Support | 3D Secure

24/7/365 Customer support available • Cardholder activation, 3DSecure passwordreset • Merchant-specific configuration • MPI transaction enquiries • Cardholder issues during transactional or activation phase • General bank enquiries • Additional features by request

May 2012

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www.provus.ro

www.romcard.ro

PROVUS SERVICE PROVIDER S.A.

S.C. ROMCARD S.A.

Str. Vasile Milea 2H , Sector 6, Bucuresti, Cod Postal 061344, ROMANIA

Str. Vasile Milea 2H , Sector 6, Bucuresti, Cod Postal 061344, ROMANIA

Telefon: +40 21 202 69 00; +40 21 202 69 99 Fax: +40 21 315 85 57; +40 21 315 95 57 E-Mail: office@provus.ro

Telefon: +4021 4020029 Fax: +40 21 315 85 57; +40 21 315 95 57 E-Mail: romcard@romcard.ro