1. ON TARGET
ON TARGET
FINCBS INC
Acquisition model : Based on purchasing of services
FinCloud - Cloud Computing Portal
Business Model : Based on pay for use
Access Model : Over the internet to any device
Access Model : Over the telecom to any device
Technical Mode : Shareable
Facilities deployment of fincloud without the cost and complexity of
buying and managing complex system
www.fincbs.com
fincloud@fincbs.com
2. ON TARGET
ON TARGET
Online business to business transactions
Online consumer to business transactions
Digital delivery of products and services
Automated Transaction – Standing Instructions
3. ON TARGET
ON TARGET
Acquisition model : Based on purchasing of services
Business Model : Based on pay for use
Access Model : Over the internet to any device
Access Model : Over the telecom to any device
Technical Mode : Shareable
Facilities deployment of MeRecharge without the cost and complexity of
buying and managing complex system
4. ON TARGET
ON TARGET
Every customer to have unique six character code – 6 Billion Possibilities
Every service enrolled by customer to have fincloud Account Number –
XXXXXX-YYMMDDTTMMSS – Infinite Possibilties
Entire system works on meCode
5. ON TARGET
ON TARGET
Every customer has the option to change VIP - meCode
Certain fees will be charged for VIP meCode based on domain
Only during the first login meCode can be changed
6. ON TARGET
ON TARGET
Three passwords for every fincloud Account
Password 1: Eight Characters Login Password
Password 2: Eight Characters Transaction Password
Password 3: Three Characters Mobile Password
Passwords can be changed through fincloud portal – Through Account
Settings
7. ON TARGET
ON TARGET
Every service needs to added once for payments
On adding service online validation is performed
On success of validation service an Customer fincloud Account is created
Added service is visible on customer welcome page
8. ON TARGET
ON TARGET
In certain cases customer would prefer making one time payment
Option is provided in system to make such payment
To process the payment; Customer needs to enter transaction password
Limited Transactions for daily usage
9. ON TARGET
ON TARGET
fincloud can be used as payment gateway – Internet only
Similar to Visa, MasterCard etc
To process the payment; Customer needs to authorize the transaction
through login & transaction password
10. ON TARGET
ON TARGET
fincloud does not have banking license
fincloud would appoint bank as authorized banker
All the funds from customer will be in authorized bank account
Reimbursement payable by fincloud would be made weekly through
Authorized bank account
11. ON TARGET
Domains Covered Corporate
Corporate SME
SME
Individual
Self Employed
Service Sector Bank
Individual
Dealers Non
Self
Bank Internet
Employed
Users
Non Internet Users
Service Sector
Dealers
12. ON TARGET
ON TARGET
Multi location service payments
Centralized processing
Reconciliation possible through fincloud – Reporting Module
Saving the cost & time of processing payments for services used by
Corporate
Avoiding late payment fees
Unlimited service payments
fincloud system access
13. ON TARGET
ON TARGET
Multi location service payments
Centralized processing
Reconciliation possible through fincloud – Reporting Module
Saving the cost & time of processing payments for services used by
Corporate
Avoiding late payment fees
Limited service payments
fincloud system access
14. ON TARGET
ON TARGET
Centralized processing for all services
Adding services onetime and pay always
fincloud can be used through Computer, BB, IPhone & mobile devices
Saving the cost & time of processing payments for services
Avoiding late payment fees
Limited service payments
fincloud system access
15. ON TARGET
ON TARGET
meCode as payment acceptance point for services provided
meCode configured to Authorized bank of fincloud
Payment can be received through fincloud payment gateway
Payment received medium are Computer, BB, IPhone, Mobile Device
Weekly transfer of payments received in meCode to Authorized Bank
Account of Self Employed
No Limits on number of payment received
Individual payment cannot cross 50,000 INR – EQ USD
16. ON TARGET
ON TARGET
meCode as payment acceptance point
meCode configured to Authorized bank of fincloud
Payment can be received through fincloud payment gateway
Payment received medium are Computer, BB, IPhone, Mobile Device
Weekly transfer of payments received in meCode to Authorized Bank
Account of Service Sector
Individual payment cannot cross 50,000 INR – EQ USD
Airports, Hospitals, Hotels, Housing Society, Schools, Cable operators,
Cab Service, Charity, Travel agents etc
17. ON TARGET
ON TARGET
Cyber Café, General Stores, Mobile Outlets, Reliance outlets, Vodafone
outlets, bank branches, ATM, e-bank
Dealers to be identified for every city / state
On 97.5 % payment, Dealer to get 100 % Credit, 2.5 % belongs to dealer
Dealer would have fincloud System access to distribute credit among sub
dealers
All domain customers can top-up balance from sub dealers
No Limit on purchase of meCredit by Dealer as it would be paid in
Authorized bank account
18. ON TARGET
ON TARGET
Any person can register with fincloud as Dealer - meServices
meServices dealer can make services payments for anyone with minimum
charges mutually agreed
Any person in a locality can provide such services
Monthly charge have to be paid to fincloud
19. ON TARGET
ON TARGET
Customer register to fincloud through any phone device and once
meCode generated can add family members through phone device e.g.
+91-9992229992 with text SMS MEF Mobile number of family members
Customer needs to send SMS to fincloud mobile number for e.g. +91-
9992229992 with text as MER Customer Name
Customer itself and family members added can recharge their mobile
phones.
Once meCode is generated customers can recharge mobile and pay
through phone device to fincloud Service Sector, Self Employed by
purchasing meCredit from fincloud dealer
20. Services Offerings
ON TARGET BIFURCATION HERE BIFURCATION HERE
Level 1 Level 2 Level 3 Level 4
Electricity Bills Petrol Cards Charity Payments Airlines
Insurance Premium Hotel Payments Collections Shopping
1 234
Mobile Payments Health SPA Travel Agents Movie Tickets
LEVELS
Landline Payments Society Cab Services Hospitals
Maintenance
Internet Data Card meDirect Others Alternative to Visa
Gift Card
Cooking Gas Standing
Credit Card Instructions
DTH – Cable
Payments
Cable TV
Education Fees
Cable Internet
Picture Layout
Add your own picture above you can also use the above image in other parts
of this PowerPoint template. Picture from PresenterMedia.com
Utility Payments Services Payment Additional Services Payment Gateway
22. ON TARGET
ON TARGET
All Internet Browsers
BlackBerry
IPhone
All other phone devices
fincloud Payment Gateway
23. ON TARGET
ON TARGET
No need to carry as its MeCode; Just need to remember
No need to swap / put all details of fincloud.com on payment screen
The merchant does not need to dial for fincloud.com Payment Gateway
Monthly fees from merchant no per transaction cost
Does not require Visa / Master Interface for payments of fincloud.com to
be processed.
25. ON TARGET
ON TARGET
Customer Number of Registration Charge Monthly
Type Transactions Charges Per Charges
Transacti
on
Corporate Unlimited 5000 0 10000
Transactions
SME Limited 1000 0 2000
Transaction
Individual Limited Free 1 100
Transaction
Self Limited 250 2% 500
Employed Transaction
Service Sector Unlimited 5000 1% 4000
Dealer Unlimited 5000 5 1500
Non-Internet Unlimited 10 1 20
User
Payment Unlimited 10000 0 5000
Gateway
26. ON TARGET
ON TARGET
Corporate - 100000
SME - 10000
Individual – 100
Self Employed – 500
Service Sector – 10000
Dealer - 5000
27. ON TARGET
ON TARGET
Can be used by major payment gateway, any other payment gateway
provider
Online Shopping Sites
Reconciliation to be similar to Visa or MasterCard
31. ON TARGET
ON TARGET
On below 10 USD Recharge , 3 % of requested recharge to be deducted
32. ON TARGET
ON TARGET
Eight Languages - English, Arabic, French, Spanish, German , Russian,
Chinese, Japanese
Every country have market for fincloud
33. ON TARGET
ON TARGET
License Types
Global License – Investor can purchase Percentage in Global License
Region wise License – GCC, South Asia, Europe, North America, Africa
etc.
Country License – Investor can purchase country license
Indian Stake – Investor can purchase percentage in Indian fincloud.com
IT Implementation to be done by Tech AAA™ / Partner IT Company
regionwise.
