Agenda

About Us

Project Overview

Technical Details

a. Software

b. Hardware

c. Data Base

d. Networking

Electricity Consumer Satisfaction Index

Online Form

Smart Card Payment Gateway and

Microfinance details with benefits

A leading IT services organization, providing an integrated set of

enterprise software applications to Global companies. Our Solutions

enable clients to combine the scope and efficiencies of Information

Technology and emerging technologies like Web Services, Internet

and Wireless with their existing business Processes

Introduction

Implementation & management of application, database servers, Enterprise networks, upgrades and maintenance, systems administration, customized solutions and modules, system security, provide training and 3-tier support, facilitate migration and conversion from legacy products and systems.

The ability to successfully deploy services and solutions is directly attributed to our Global Delivery Model

Capabilities

Proposition

Company Overview

We are driven to attain our customer’s highest satisfaction by

providing business experts with underlying delivery expertise in

Enterprise Technology, Methodologies, and Implementation.

TRANSWAY is backed by a clear vision of the founders, with over 5

years of management experience in IT services and TRANSWAY

practice

• Leadership Team with extensive TRANSWAY& management

experience• Utilizes established PMO, Resource Management & Quality

processes • Leverages organizational expertise in the Enterprise

Applications Space• Ambitious Growth Plans

Team

TRANSWAY mission is to create the technologies and fuel the communities

that power the Participation Age. We help each customer succeed the first

time by aligning and optimizing product, systems, and software

development lifecycles with business objectives and customer needs to

dramatically improve quality and predictability, while significantly reducing

time-to-market and overall costs. We strive to develop a superior software

for our users through state-of-the-art technology, innovation, leadership

and partnerships.

OUR STRENGTH

XIPHIAS VISION

TRANSWAY Practice Overview

Value EMPLOYEES as our most important resource

Create VALUE for our customers, employees and shareholders

Ensure SAFETY and QUALITY in every stage of every process

Demonstrate our CREDIBILITY by fulfilling commitments

To be the choice for optimizing Enterprise Lifecycle Management (ELM)

Proposed Smart Cards Systems

Smart card

Based Web

Solution

Ration Card

Dairy card

Voter I.D./PAN

/DL Electricity Card

E-Kisan Pass Book

Mandi Board

Education Id card

BPL/HRDF/Health

NAREGA

Dairy

RationCard

Electricity

School E-Kisan Passbook

Human DNA

Farming/ Mandi Board

Hospital/Health

Voter I.D./PAN/DL

BPL/NAREGA

HRDF

Poor Farmers

Overview Smart Card• The smart card is one of the latest additions to the

world of information technology. Similar in size to today's plastic payment card, the smart card has a microprocessor or memory chip embedded in it that, when coupled with a reader, has the processing power to serve many different applications.

• Smart cards make personal and business data available only to the appropriate users. Another application provides users with the ability to make a purchase or exchange value. Smart cards provide data portability, security and convenience.

Smart Card Based Ration CardTill now, a good number of Indian citizens had either of the

four documents to prove their nationality—a passport,

election ID, PAN card or the all too familiar family ration

card. They can now gear up for more. A national identity

card to uniquely identify a person. With smart card

technology as its cornerstone, it will hold a number that’s

unique to you, your photograph along with your

fingerprint. All rolled into a single smart card to give you

your identity wherever you are in the country.

• The project is first of its kind in India where in the Driving Licenses are issued in the form of Smart Cards which are compliant to various standards issued by Ministry of Road Transport and Highways viz., National Standards of Driving License, SCOSTA (Smart Card Operating System for Transport Applications) standards etc.

• Smart Card based Driving License • Driving License is another application of Smart Cards. Typically, a

Smart Card based Driving License can be programmed to contain personal information like Name, Address, Date of Birth, Blood Group etc .− Biometrics of the individual like Photograph, Signature and

Fingerprints − Vehicle information like Transport / Non-Transport Vehicle,

LMV, HMV etc − Validity of License for each category of vehicle, Identification

of Testing Authority and Issuing Authority − Record of the offence committed and the penalties imposed .

Smart Card based Driving License

Smart Card based Election Id Card

On behalf of the voter, his smart card will fulfill all the tasks needed to generate the pieces of information that are going to be sent to the Administrator, so that all critical information is processed inside the card in a protected mode that ensures the confidentiality of both data and operations.The dialog between the Authentication Point and the Administrator is performed by means of messages, which are the result of the application of complex cryptographic operations. The Authorization request is a piece of information containing the following information:

Smart Card based Electricity

• Smart Card based prepayment method of electric energy using a contactless intelligent card and an electronic electricity energy meter with internal reader-writer for contactless intelligent cards, characterized by comprising the steps of:

• interchanging information between the meter and the contactless intelligent card by means of radiofrequency; authenticating the Prepayment intelligent card and the internal reader-writer for contactless intelligent cards, in mutual form, by two or more digital signatures and the serial number of the meter; discharging and storing the amount of Prepaid kWh of the intelligent prepayment card in the memory of the electronic meter; and recording the information generated about the state of the meter in the contactless prepayment intelligent card.

Proposed Smart Cards Systems

Smart card

Based Web

Solution

Card

980871

Buyer Seller

1. Make Purchase

2. Insert Cards

3. Authenticate

4. Debit Amt. on buyer card

Credit Amt. on seller card in single transaction

3. Remove Cards

Fig.5. Card-to-Card e-Purse transaction

Solution:Direct secure customer access everywhere via intermediaries (agents) infrastructure

Lowest cost of operation through off-line card to card services (no variable cost)

Local merchants as sales agents with services available at extended hours

Possibility to control dedicated fund usage

Sharing IT infrastructure and automation of services/processes enabling scalability

Efficiency of infrastructure through services extendibility (credit/savings/insurance, etc.)

Hand Held Terminal

DL Card Cop Card

Smart Card Based Solution [Micro Finance].

Smart Card Based Solution [Micro Finance]. TRANSWAY provides a universal platform for smart card transactions.

TRANSWAY enables direct payment transactions whether in on - or offline mode without requiring authorization from a third party.

The following paragraphs describe a complete financial cycle of the TRANSWAY Funds Transfer Concept.

Obtain Funds Once the client card has been issued and personalized by the issuer bank,

the cardholder can load purchasing power (pre-authorize the card with a certain value using PIN 1) onto the card depending on the availability of funds on his/her account. This transaction can be carried out either with the help of a bank teller or by the cardholder at any online self-service terminal, ATM or over the Internet and even remotely in off-line mode.

Purchase When the client makes a payment using a smart card at a point-of-payment

terminal, the purchase amount is debited from his/her card and credited to the merchants card. The clients card account balance decreases by the respective amount and the merchants card account balance increases accordingly. Both cards register all the details of this transaction. It is important to point out that the merchant does not need to check the customers solvency since the transaction would not be processed if there isn't enough purchasing power on the card.

Deposit Funds At the end of a working day, the merchant can visit the bank or use the

terminals modem or any other online device to transfer the accumulated funds from his/her card to his/her account. The encrypted list of transactions is transferred from the merchant card (not from the memory of the POS terminal) to the banks TRANSWAY card management system.

• Settlement • The acquiring bank settles all the merchants transactions via a clearing/settlement system with the issuer

banks which then transfer the money from the respective client accounts. After the merchant has transmitted the encrypted transaction list, his acquiring bank decrypts the merchants part of the transaction and sends the clients part of the transaction to the issuer bank to clear the transaction's). If both documents/certificates stand the test of comparison and contain the same information (amount of money, card number, date, etc.) the transaction will be settled. It is important to note that during all this time the real monetary resources remain at the banks disposal or better yet stay in the banks vaults (in the case when both the payer and the payee keep their money in one and the same bank).

• Business Context • Governments and municipal agencies all over the world are increasingly facing the pressure to reduce costs

and improve services. Citizens who have become accustomed to profit from the Internet and digital services in their private lives, are demanding the same convenience in the public sphere. E-Government is certainly an efficient way to reduce administrative costs, to involve and engage the community through greater accessibility and enhance existing services. But it also poses security concerns. The identification and authentication of individuals accessing services online is still the most controversial issue in discussion. Private data and public information are sensitive, it is therefore crucial to know that people are really who they claim to be. The security features of smart cards such as digital certificates, cryptographic transactions, personal identification numbers (PINs) and passwords provide sophisticated protection against fraud, loss, robbery or counting errors thus ensuring that sensitive information is viewed and processed only by authorized users. As smart card payment technology continues to improve, more and more governments in developing countries worldwide are automating their retail and corporate payment processes in order to enable cashless payments to government and municipal institutions.

• Microfinance based on Smart Cards • In many developing countries microfinance scenarios have become a profitable business scheme as

microfinance institutions worldwide have shown that poor, unbaked people are creditworthy and that the daily micro savings of a mass population can accumulate into substantial amounts of money generating a profitable money float for the microfinance institution. In general, microfinance is the provision of a broad range of financial products such as deposits, loans, payment services, money transfers, insurance and others to low-income households and, their micro enterprises which are usually concentrated in rural and thus more underdeveloped areas. Client access and efficient provision of banking products in rural markets, usually fails through missing branch infrastructure which in turn is the result of a low populated environment. One of the core problems for banks is high transaction and service costs. Creating the necessary branch and service infrastructure to reach a large number of small borrowers who require credit frequently and in small quantities, requires large investments in service outlets and personnel.

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Challenges

Infrastructure

Higher Cost

Working Hours

Higher Risk

Education

Technology

HIGHER COST: The cost in relation to value of micro-loans & deposits is very high

MICRO-FINANCE CHALLENGESINFRASTRUCTURE : Bank access for poor clients in rural & suburban areas is difficult as a result of missing branches

WORKING HOURS : Poor usually work longer hours, have no time for the branch visits during the day.

HIGHER RISK : Poor people don’t have fixed assets, their collaterals are the results of future work.

EDUCATION :Unbanked clients are banking illiterates and require education before purchase services.

TECHNOLOGY: Inefficient non standardized manual provision of services.

SOLUTIONS

Direct secure customer access everywhere via intermediaries (agents) infrastructure

Lowest cost of operation through off-line card to card services (no variable cost)

Local merchants as sales agents with services available at extended hours

Possibility to control dedicated fund usage

Sharing IT infrastructure and automation of services/processes enabling scalability

Efficiency of infrastructure through services extendibility (credit/savings/insurance, etc.)

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17

Issuer

MICRO-PAYMENT

Agent Recipient

Merchant Account

Obtain LoanMicro Loan

Client Account

Micro Loan

Purchase

Payment

18

Issuer

MICRO-LOANS

Agent Recipient

Merchant Account

Micro LoanMicro Loan

Client Account

Micro Loan

Micro Loan

Re-Payment

Micro Loan

19

MICRO-SAVINGS

19

Issuer Agent Recipient

Merchant Account

ContractContract

Client Account

Contract

Savings

Depositor

Savings

20

INSURANCE

20

Issuer Agent Recipient

ContractContract

Premium

Contract

Premium

Depositor

Premium

Issuer

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REQUIREMENTS BENEFITS

• Will eliminate cash handling over a period of time.

• High flexibility and ease of use

• Security benefits by not handling Cash

• Lower costs and higher productivity by reducing cash handling.

• Easy access to funds to the farmers

• Change in payments process.

• Training and familiarization of staff to use the terminal and maintain the same.

• Educating the individual about the new payment process.

• Transaction security & if PIN is issued maintenance and authority to use the pin.

KEY FACTORS

BenefitsThe Need

Replace time consuming manual process with automated and fast process Reduce the huge load of paper files with automated data system Reduce the administrative costs and enhance service deliveries Avoid uncontrollable administrative difficulties Implement tamper proof secure mechanism Shorten and Simplify the lengthy Ration Card process cycle Delivery of benefits and convenience to the common manThe Solution Ration Card on a Smart Card Reduction in Administrative costs & difficulties Ration issuing process cycle substantially reduced Enhanced and effective deliveries to intended common man Fraudulent transactions eliminatedThe Benefits No Fraudulent and duplicate Ration cards Elimination of Fraudulent issue of material Stocks of quantity issued tallied centrally Almost Real Time Availability of authentic Database Availability of Strategic Planning Information Ease of Service for Shop Owners as they do not have to make complex calculations

for entitlements, payments and special schemes Entitlements/ Benefits / Special schemes flow directly to the consumers Greater efficiency and transparency in Governance

Benefits• Employment Opportunity in each Village/Block/District• Chip is tamper-resistant• Information stored on the card can be PIN code and/or

read-write protected• Capable of performing encryption• Each smart card has its own, unique serial number• Capable of processing, not just storing information• Smart cards can communicate with computing devices

through a smart card reader• Information and applications on a card can be updated

without having to issue new cards• Chip is tamper-resistant• Smart cards provide a portable, easy to use form factor

that many are familiar with using.

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CONCLUSION1.World is still cash dominated market.

2.Real cash substitution could be only driven by off-line card technology.

3. Domestic payment card should: 1. be a medium which can be accepted

everywhere similar to a legal tender

2. provide cost of transaction always cheaper than other means of payment

3. own visible value on the card

4. allow value transfer to other persons

5. be protected against any fraud and counterfeiting

TRANSWAY has got above unique advantages, which no other

company has got, i.e.,

Domain knowledge

Long field exposure in the Domain

Working relationship with all Solution Provider

Technology backup(H/W & S/W)…..

Advantages with TRANSWAY

Data Base Design for Server

TRANSWAY SOFTWARES (P) LTD Presents

SMART CARD BASED COMPLETE SOLUTION FOR

DAIRY AUTOMATION

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PROPOSED SOLUTION

Milk Supply Milk Procurement

Milk man SocietyHDCCF Bodies/Center of Samridh Kisan

Direct Credit into milkman bank acc

Samridh Kisan Smart Chip Solution

Offline/Online Terminal

Any Bank

Payment File processed by bank

Data upload to Samridh Kisan Server

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Client Account

Settlement

Obtain Funds Issuer Acquirer

Client Card

Depositor Funds

Merchant Card

Purchase

CONCEPT

Electronic Payment Receipt Machine

Electronic Payment Receipt

Smart card and password security

Barcode printing

Security Generic Code generation

Time of the receipt generation

Bill collector’s Information

On the spot report generation

Optional : 2” or 3” Thermal paper printing

THANKING YOU

Office:- Level 1,SCO 364-65-66,City Sub Center, Sec 34-A Chandigarh-160022

WhatsApp:+91-9417644777

Email-pariksitsai@gmail.com