Shopping Cards

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					                    PREPAID SHOPPING CARDS
   OPPORTUNITY
With high retail spending levels, increased use of “cash-alternative” products, and
the increasingly high use of mobile phones for services beyond voice and data,
there is a need to introduce a more convenient, safe and cost effective way to do
retail shopping using the mobile channel. C-SAM provides Banks and Mobile
Operators with an opportunity to wirelessly and securely distribute virtual Prepaid
Shopping Cards, helping them increase differentiation, transactional revenue, and
providing a value added service for their Customers or Subscribers.

   C-SAM’S OFFER
C-SAM Inc. has developed a unique and patented Secure Wireless Application
Platform (SWAP) to distribute prepaid shopping cards over-the-air, facilitating
cash-less transactions. It enables customers and merchants to procure an
authorization for a transaction in real-time. It also helps the Banks and Operators
to trace customer usage patterns. C-SAM offers Banks/Operators a complete
turnkey solution, which includes product, system integration, training and
maintenance support. C-SAM can host the entire solution for the Bank/Operator,
or alternately set it up in their domain.

   SYSTEM




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PROCESS
Both the customer and merchant will need to first register at the Wallet Service
Center (WSC) website and get a Unique Identification number (UID - which
could also be their mobile phone numbers) and PIN for all future transactions.
Customers can securely store credit/debit/stored value card details at the WSC
to facilitate the settlement process. Merchants will need C-SAM’s merchant-
client application (Merchant Wallet or MW) to facilitate transactions for
customers with a prepaid shopping card.
• Customer makes the purchase at the merchant location
• Merchant sends customer’s unique prepaid shopping card number and the
    amount to be debited, to the WSC through the MW
• WSC server sends a message (SMS, text messaging, IVR, etc.) to the
    customer requesting his/her PIN. On receiving correct PIN, WSC verifies
    the customer/account, and debits the amount; the WSC may send this
    request directly to the Customer’s mobile or alternately to the MW
• WSC sends a confirmation to both the merchant as well as the customer
• Merchant gives the customer a paper receipt
• If the customer has registered a credit/debit/bank card, he or she can
    directly top-up the prepaid card through the WSC, or alternately by using
    cash at the merchant location




MONEY FLOW
•   WSC/Host managed payment network debits Customer’s account, credits
    Merchant’s account and charges a transaction fee
•   Account Host charges a fee for hosting the accounts and managing the risk

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   BENEFITS TO THE CUSTOMER
   •   Convenience of not carrying cash or physical cards for retail shopping
   •   Avoid loss or theft, and associated inconvenience, of cash and plastic cards
   •   Higher level of security and opportunity to reduce misuse and fraud
   •   Faster transaction time and real-time settlement of accounts
   •   Ability to maintain an electronic record of all transactions and avail various
       value added services

   BENEFITS TO THE MERCHANT
   •   Eliminates cash handling and associated cost and risk
   •   Real-time authorization and settlement of accounts
   •   Ability to offer personalized customer promotions
   •   Higher level of security and opportunity to reduce misuse and fraud at POS
   •   Convenience will lead to higher number of transactions
   •   Opportunity for co-branding and cross-selling with other Merchants, Banks
       and Mobile Operators – offer new value added services

   BENEFITS TO THE BANK/MOBILE OPERATOR
   • Convenience will lead to higher number of transactions
   • Real-time authorization and settlement of accounts
   • Opportunity for Operators to participate in physical world payments;
     Additional minutes-of-usage for Operators and transactions for Banks
   • Higher differentiation increases new customer acquisition and customer
     loyalty, and reduces churn
   • Opportunity for co-branding and cross-selling with other Merchants, Banks
     and Mobile Operators – offer new value added services

   IMPLEMENTATION
   •   Interface WSC modules with existing payment gateways and financial
       transaction networks
   •   Customize/Brand/Interface the web-site, server and client software modules
       based on requirements of the Bank/Operator (our team can put together a
       customized solution in 30 to 90 days)
   •   Once the server and client software modules are setup, the solution may be
       easily and rapidly scaled to offer other service/s:
         • Prepaid Airtime Top-up                    • Ticketing
         • Bill Payments                             • Coupon Issuance
         • Person-to-Person transactions             • Micro-credit transactions
         • Money Order/Transfer                      • Proximity transactions
         • ATM/Manned                                • Transaction portal


For more information, please visit our website at www.c-sam.com OR Email us at
info@c-sam.com OR Call us in the US at +1.630.928.0890.

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