1. Success Stories
RETAIL & ENTERTAINMENT SERIES
PAYMENT SOLUTIONS, REDEFINED

2. Contents
03 Payment Networks & Infrastructure
• ShoeMart , PHILIPPINES
04 Payment Networks & Infratructure
• IKEA, MALAYSIA
06 GPRS Terminals, Wireless Gaming
• STL PROJECT, PHILIPPINES
07 Payment Networks, Entertainment
• ZOUK KL, MALAYSIA
DISCLAIMER
©2009 GHL Systems Berhad. All rights reserved. GHL Systems netAccess, VersaRead, NetMATRIX, NetTransact are either registered trademarks or trademarks of
GHL Systems or their affiliates in Malaysia and/or other countries. References in this publication to GHL Systems’ products or services do not imply that GHL
Systems intends to make them available in all countries in which GHL Systems operates. This document is based on information provided by our client and
it illustrates how one organization uses GHL Systems’ products or services. Many factors have contributed to the results and benefits described, GHL Systems
does not guarantee comparable results elsewhere.

3. Payments Network
& Infrastructure
LARGE SCALE RETAL, PHILIPPINES
About Shoemart (SM) system is also highly redundant with
links to their banks duplicated on each
From its humble beginnings as a shoe site. In the event that one of the data
store established by founder Henry Sy Snr centres is incapacitated, the SM payment
in 1958, Philippines’ Shoemart Corporation infrastructure will be able to handle the
(SM) has grown to encompass the largest full load of the entire organization.
retail chain departmental stores in the
country, accounting for more than 65% of
the Philippine retail market. In 2006, SM Availability & Scalability
opened the largest department store in With the netAccess W1000, the expanded
Asia - SM Mall of Asia. and enhanced system was able to cater
for acceptance of 13 different types of
cards. The system handles credit and debit
Website payments, loyalty point collection, even the
in-house SM Gift Cards with prepaid value
www. sm-shoemart.com of Ps500. Today, the system handles over
30 types of transactions with the option to
add more over time. System scalability is
Key Challenges achieved by merely adding more W1000
units to cater for the additional loads.
SM called on GHL Systems to provide an
updated payment infrastructure -one that The system is constantly monitored
is robust, highly available, scalable and constantly using the netAccess System
Key Benefits adaptable to their specific requirements. Monitor - a tool for monitoring the
• Supports PSTN and wireless/
GHL Systems deployed a payment network general health and loads on each server
GSM-based EDC terminals based on the netAccess W1000 series in a graphical user interface. The GUI is
of Network Access Controllers (NACs) simple and colour-coded, showing at one
• Native Switching NAC & Native that could cater for redundant links, glance the state of the entire network.
support for Ethernet TCP/IP high-availability load balanced controllers
and links to their various acquiring banks. Considering the scope and the functionality
• Acts as firewall in TCP/
IP networks, and as a TCP/
of the system, the project took a mere three
IP connection concentrator weeks from design to configuration and
(over 400 TCP/IP client sessions implementation. The project was greatly
The Solution
supported) aided by the fact that the leased lines were
The solution called for two data centres quickly available for implementation.
• Clustering capability for high
availability & fault tolerant
that were geographically distant. SM
failover had two data centres located in Roxas
and Makati which are about 15 km apart. The Outcome
• Customizable for special or These data centres became the central
customized protocols The success of the project was immediately
communications hubs. The data centres
confirmed during the Christmas season
• Supports the IPSec protocol, are linked redundantly by two high-speed
of 2005. GHL Systems’ consultants and
which implements highly leased lines - provided by two separate
engineers were on standby in Manila
secure communication links telecommunications providers. In each
between netAccess nodes and during the festive season. However, the
of the data centres are five netAccess
also provides secure encrypted systems and network performed smoothly
W1000 NACs to handle the routing of
channels over a shared and un- and without a glitch - and continues to do
transactions to the banks.
trusted TCP/IP network so until today.
The system is configured to share the load
• Fastroll-outandimplementation
evenly between the two data centres.
In addition to being load balanced, the
3 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

4. Payments Network
& Infrastructure
LARGE SCALE RETAIL, MALAYSIA
Key Challenges Each counter had to be equipped with
an EDC terminal. EDC terminals would
Being located in a fairly new development
normally be equipped with a phone line
area where the telecommunications
to dial-up to the bank directly. However, in
infrastructure was still being developed,
a large merchant like IKEA, this would not
there was an urgent need to establish
About IKEA be cost effective.
communications in the form of a leased to
IKEA, the world's largest home-furnishing the Bank to carry the payment transactions. The EDC terminals had to be linked in
retailer, opened its new flagship in Due to the challenges posed by a tight a local area network to a transaction
Mutiara Damansara, Malaysia in August deadline and the general availability of concentrator which would then send the
2003. Featuring 35,811 square meters of infrastructure, the leased line to the bank transactions along the connection to the
floor space (roughly the size of 5 football was not going to be ready by the time the bank for processing, saving IKEA the cost
fields) with over 7,000 home furnishing store was to be launched. There had to be of 36 six terminals dialing up to the bank
products displayed in 54 settings, IKEA a way to connect to the bank quickly with each time a transaction was made.
is the largest furnishing store in South high bandwidth.
East Asia. However, with just six weeks In addition to the external communications The Solution
before its grand opening, IKEA was still infrastructure, the in-store infrastructure
lacking the credit card payment facilities GHL Systems’ NetAccess L1000 Transaction
had to be prepared as well. IKEA had
necessary for operations. Concentrators were deployed to provide
over 30 checkout counters on the lower IKEA tactical options, in which to address
floor of the store in addition to the few its situation and circumstances and offer
counters used for food and beverage viable alternatives, thus ensuring that
Website
upstairs and they all needed to be able its business operations would continue
www.ikea.com.my to accept credit card payments. without a hitch.
(continued on next page...)
4 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

5. Today, GHL Systems’ solutions are in
place in many other large malls and
retail outlets, working tirelessly behind
the scenes ensuring that their complex
payment infrastructure stays up and
running.
(...from previous page) would connect to the bank via wireless
data communications, or General Packet
The Foundation Implementation Highlights
Radio Service (GPRS).
The VeriFone terminals used by IKEA • GHL Systems was able to use its ESLP
supports the RS485 serial interface – Business as Usual
protocol and the RS485 interface to
allowing for wiring to stretch to 1200 On its opening day, a record of almost build a highly available network for
meters in length. The local area network
40,000 people visited the store with the EDC terminals in IKEA
was configured to have all 36 terminals in
some customers lining up outside the
IKEA connected to two separate NetAccess • Leveraging on existing mature
L1000 Transaction Concentrators in a store as early as 6 am to catch the Early
technologies such as ISDN backup
double RS485 loop. Bird specials on offer. Disaster struck
dialing to routers, IKEA was connected
when the ISDN connection failed just 30
GHL System’s proprietary ESLP protocol to the bank even without the benefit
minutes before store opening and the
allows the transactions to be carried at of leased lines
leased line was not ready for operations
high speed through the network without
the attendant collisions inherent in serial for another month. • GPRS technology was utilized
communications protocols. to extend the functionality of
The implementation team quickly activated
the system to provide a backup
While awaiting the leased lines to be the GPRS backup and communications
connectivity to the bank while both
installed, the communications dilemma was re-established within 20 minutes. It
ISDN and the leased lines were down
was resolved by using an ISDN dialup. ISDN was reported that this was the first IKEA
dialup is the main method of backup for store in the world that offered credit card • GHL Systems managed to design
digital leased lines - most routers cater for facilities on opening day! a highly available, robust and
the ISDN backup feature. The routers were dependable system that was
configured as if the primary line was down, Within the first two days, an impressive capable of handling the heavy
and the ISDN dialup link was setup, tested total of RM 1.2 Million was transacted transaction loads generated during
and commissioned. over this GPRS link. Eventually the ISDN IKEA’s first week of operations
For added measure, the NetAccess L100 link was restored and the leased lines
transaction concentrator box featured an were commissioned and have continued
additional backup connectivity option that smooth operations till today.
5 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

6. GPRS Terminals
WIRELESS GAMING, PHILIPPINES
About PCSO & the STL Project • Terminal Management System The wireless terminals will be deployed
in several phases at different regions,
Philippines Charity Sweepstakes • Decryption software
beginning with Mindoro and Bicol.
Operation (PCSO) which holds the
PCSO appointed GHL Systems for wireless Subsequent phases will cover 5 other
franchise of Small Town Lottery (STL)
terminal and solution implementation provinces namely Olongapo City, Silay
started the lottery project in 2006.
across five regions to curb siphoning of City, Tarlac, Iloilo City, and Nueva Ecija.
STL works as a democratized form of
revenues from illegal bet collectors.
grassroots-based lottery and charity
whereby percentages of the revenues Currently STL agents are competing
are distributed to the government’s against the “juetengs” and “masiaos”,
charity funds at local, provincial and illegal bookies that are causing significant
national level. revenue discrepancies.
Website Speedy, wireless transactions via
handheld terminals
www.pcso.gov.ph
Enter GHL System’s sister company GHLSYS
Philippines (GHLSY) as a major technology
Key Challenges provider. The challenge for GHL was to
implement and deploy wireless terminals
• Converting manual betting process
to STL’s agent corporations around the Punters will key in
to a fully electronic version that
integrates and interfaces directly
country as a definitive measure to capture
all bets that should go to STL.
their bet details via
with the lottery systems
The first phase of deployment comprising
the terminals which
• Monitoring transaction volume and
settlement reports and enabling
700 terminals was successfully launched will then transmit
in August, 2008. PCSO’s further aims to
access to the lottery agents
deploy a total of 70,000 terminals over the the transaction
• Implement wireless terminals to STL next few years.
corporations nationwide
directly to STL. Once
The wireless handheld terminals are
• Equipping and enabling the ‘Cabo’ connected via GPRS to secure payment the transaction is
with an online betting system routers. Punters will key in their bet details
via the terminals which will then transmit
completed, punters
• Providing unique 2-D barcode
receipt with digitized patterns for
the transaction directly to STL. Once the will then be issued a
transaction is completed, punters will
validity on winnings
then be issued a unique 2-D barcode unique 2-D barcode
The Solution
receipt with digitized patterns.
receipt with digitized
The official receipts will replace the
• Citus Sagem EFT930 G Mobile GPRS existing yellow PCSO sheets which are
patterns.
terminals easily duplicated- where the same sheets
are also used for illegal operations.
6 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

7. Payment Networks,
Entertainment
ZOUK KL, MALAYSIA
About ZOUK KL
Since its inception in March 2004, Zouk
KL has become a nightspot of choice
in the city for the more discerning
clubbers and a household name for
urban socialite. Constantly reinventing
and revolutionizing its unique brand
of party experience, Zouk KL has won
the "Best Club" awards in most leading
entertainment/music publications in
just the short span of 3 years.
Website
www.zoukclub.com.my
Key Challenges
• Create a high speed, always-on and
user-friendly payment system
• Expand and increase flexibility in
payment infrastructure
• Minimize hardware redundancy,
costs and transaction time
• Integrate new terminals compliant to
contactless readers in legacy system secure. In keeping with Zouk KL’s upbeat to the terminal via VersaLAN. At that
• Replace individual converters and club experience, GHL’s VersaRead time, VersaLAN was utilized for protocol
enable deployment of multiple contactless readers are introduced as conversion to RS485.
payment devices with the Payment an alternative credit payment mode
This meant individual converters for
Extender via VISA payWave. VersaRead is also the
each terminal, which translated to high
world’s first JCB, MasterCard and Visa
hardware count and costs. In addition
type-approved contactless reader with all
The Solution to that, the legacy terminals took longer
applications residing in the same reader.
transaction time when processing EMV
KL’s top entertainment club utilizes the Speedy, efficient update at minimal cards.
versatile netAccess X-10 to integrate new cost
contactless card readers while extending The challenge for GHL was to update
its payment network capabilities. Prior to VersaRead deployment, Zouk the terminals in compliance with VISA’s
was using Verifone Omni 3750 terminals certification and increase flexibility of the
Like every high traffic club, patrons are .The legacy terminals were supported payment architecture at minimal cost and
seeking a hassle free payment that is with the RS232 serial protocol which only disruption to service, while improving
speedy, efficient and most importantly allowed for point-to-point connection transaction performance.
(continued on next page...)
7 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

8. Payment Networks,
Entertainment
ZOUK KL, MALAYSIA
(...from previous page) ports. This reduces the need for individual and maintenance costs thus making
converters, while supporting high speed this improved payment structure cost
networking with limited cost. effective in the long run.
Working in tandem with existing
structure
Smart system for future expansion Implementation Highlights
GHL proposed to use the new Verifone
Vx510 terminals which are compliant to With netAccess X-10’s intelligent pattern • Same-source implementation and
the latest specifications for contactless matching routing, limited amount of consulting services
readers. The new terminals with re-development on the terminal side is
• Rapid deployment with no disruption
VersaRead, will work in tandem with involved. Moreover with such a setup,
to business
the legacy terminals that do not require Zouk KL can easily expand its system
contactless readers. The new terminals are with multiple Payment Extenders as the • Full integration of new functionality
supported with the RS232 serial protocol business grows. into existing networks
as well, allowing re-use of the existing
In its double edged solution, GHL Systems • Streamlining of infrastructure
wiring that was already in place.
has firstly helped Zouk KL to expand its
More importantly, the updated system payment capabilities with VersaRead as
features GHL’s latest product- the well as utilizing high speed, always-on Key Benefits
netAccess X-10 Payment Extender as a connectivity through the netAccess
• Extends number of comports and life
replacement to VersaLAN converters. One X-10. Integration could easily take place
of existing terminals
of the many advantages of netAccess between the old and the new without
X-10 is in its versatility - it features four any major impact on the current payment • Reduce network complexity
RS232 ports, single USB, RS485 and TCP/ architecture. Secondly, with netAccess therefore minimizing hardware costs
IP ports. Unlike VersaLAN, netAccess X-10, the wiring structure and legacy and maintenance
X-10 enables the deployment of multiple terminals can be retained and reused.
• Connection versatility via RS232, and
payment devices due to the many RS232 This has significantly reduced hardware
RS485 or TCP/IP connection
8 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

9. Transaction routers
and concentrators
EMV networks
Smartcard
technologies
Consulting
Loyalty services
and online
payments
Contactless
payments
Payment Terminal line
gateways encryption
technologies
GHL Systems PAYMENT SOLUTIONS, REDEFINED. MEPS, PCI, SIRIM, SPVA and the Line
Encryption Working Group.
GHL Systems is the Asia Pacific’s leading
end-to-end payment services enabler By providing a broad range of payment
that deploys world-class payment solutions, GHL Systems today deploys
infrastructure, services and technology. its products and services to multiple
clients across various vertical segments
We are an MSC-status company listed on
worldwide not limited to banking
the Main Board of Bursa Malaysia (Kuala
and financial services institutions,
Lumpur Stock Exchange). Our complete
telecommunications, transportation,
portfolio of payment solutions include
retail and oil and gas.
transaction routers and concentrators,
terminal line encryption technologies, With offices in Bangkok, Beijing, Hanoi,
loyalty and online payment solutions, Ho Chi Minh, Hong Kong, Kuala Lumpur,
smartcard technologies, secure EDC and Manila, Singapore and Wuhan, and having
EMV networks and terminals to consulting had successful forays and establishing
services. multiple partnerships across the
Asia-Pacific, European, the Americas and
GHL Systems' payment solutions are
Middle Eastern regions - GHL Systems is
further recognized, accredited and
well-positioned to meet the demands of a
certified by organizations and governing
global economy.
bodies such as Visa, MasterCard, JCB,
9 B A N G KO K • B E I J I N G • H A N O I • H O C H I M I N H • H O N G KO N G • K UA L A LU M P U R • M A N I L A • S I N G A P O R E • W U H A N © 2009 GHL SYSTEMS BERHAD

10. DISCLAIMER
©2009 GHL Systems Berhad. All rights reserved. GHL Systems netAccess, VersaRead, NetMATRIX, NetTransact are either registered
trademarks or trademarks of GHL Systems or their affiliates in Malaysia and/or other countries. References in this publication to GHL Systems’
products or services do not imply that GHL Systems intends to make them available in all countries in which GHL Systems operates. This
document is based on information provided by our client and it illustrates how one organization uses GHL Systems’ products or services.
Many factors have contributed to the results and benefits described, GHL Systems does not guarantee comparable results elsewhere.
Unit L8 C-G-15, Block C, Jalan Dataran SD1, Dataran SD PJU 9, Bandar Sri Damansara, 52200 Kuala Lumpur, Malaysia
T +603 6286 3388 F +603 6280 2999 E int.sales@ghl.com
WWW.GHL.COM