PAYMENT SYSTEMS: ON THE INTERNET

ChronoPay offers services for registering the Merchant Account number in the world of payment systems for making payments on bank cards on the Internet.

The processing platform ChronoPay is integrated into the systems of the largest European acquirer banks, which allows you to arrange for payment cards of major payment systems such as VISA , Master Card / EuroCard, JCB and Diners Club .

ChronoPay is a completely ready-made solution for online stores:
The simplest, quickest procedure for connecting to the system;
The most convenient interfaces for working with the ChronoPay system;
Convenient statistical reports on transactions received in real time;
Full technical support at all stages of work;
Full support for end-users of the client company in 24/7/365 mode;
A powerful and finely tuned system to combat fraud;
Security of customer data, certified by the security standards VISA AIS and MasterCard SDP .

Calculations in the payment system CyberPlat are conducted between three main participants: the Buyer, the Internet-Shop and the Bank.
CyberPOS is a subsystem for servicing payments on plastic cards of international and Russian payment systems, including VISA , Eurocard / Master Card , Diners Club , JCB , American Express , Union Card, scratch card e-port, STB Card, Buyer in the CyberPlat system.
Registered in the Internet Shop system (130 stores are registered), it is possible to accept payments on plastic cards of international and Russian payment systems and receive an extract from transactions.
Any interaction between the Store and the Authorization Server takes place using an analog of a handwritten signature, which reduces the risk of fraud on the part of unscrupulous buyers. In this case, CyberPOS does not limit the ability of the holder of a plastic card - all that is required of him is to enter her requisites in response to the request of the subsystem, as is usually done in any ATM.
CyberPOS services can be used by any holder of a plastic card, and the data on the card and its owner become known only to CyberPOS and are not available to either the online store in which the purchase is paid, or, especially, to third parties, since all data is transmitted over a channel that is protected Using the SSL protocol.
CyberCheck is a subsystem of transaction servicing for customer customers registered in the CyberPlat Internet payment system. CyberCheck ensures the confidentiality, reliability and legal clarity of interaction between the parties, as well as the complete absence of refusals from the declared payments. This is implemented by mechanisms for supporting electronic document circulation using a legally equivalent handwritten signature with a key length of 512 bits. Thanks to these properties, the subsystem is used in business-to-business schemes.
The registered in the system Internet-shop receives the possibility to receive payments from the accounts of the Buyers in the Participating Banks of the system (P latin, Kazan, Master Bank, Svyaz-Bank ) or on bank cards registered in the system.
The participants of the System are also provided with traditional banking services in settlement and cash services. Registered in the system the Buyer gets the opportunity to make purchases in Internet shops and pay for them on-line either from his account with the Bank or on his bank card registered in the system to receive statements and payment results.
Registered customers in the system can directly through the Internet issue a payment order that allows you to perform a bank transfer to any account in any Russian bank. In this case, the transfer is carried out from the client's account in the Participating Bank. Thus, you can transfer funds from the CyberPlat system to your account in any other bank or pay for typical services, for example, cellular operators or ISPs.

The ASSIST system successfully solves the problem of reliable and secure methods of electronic payment, providing new opportunities for sellers and buyers. At the moment, over 80% of payments made in the Russian Internet are conducted through ASSIST .

In 2004, ASSIST was recognized as the best financial tool in the Russian Internet and was awarded the Russian National Award for its contribution to the development of the Russian segment of the international Internet network PREMIUM RUNET

As payment means in the system are used:
• Credit cards of the standard type VISA , EuroCard / Master Card , Diners Club , STB Card , there is also the possibility of accepting debit cards VISA Electron, Cirrus / Maestro ;
• All kinds of electronic cash WebMoney, Rapida, Yandex.Money (PayCash), KreditPilot, e-port ;

ASSIST offers a number of additional advantages:
• AssistID - unique identifier, protected by a pin code, will increase security and provide convenience of payments, both for the store and for the buyer;
• Program AssistDesktop - a modern replacement for traditional POS-authorization. A user-friendly interface will allow you to obtain more complete information about your credit card and transactions;
• Obtaining authorization results online;
• Use of new technology VISA - 3D-Secure ;
• Possibility of making payments for all types of electronic cash for non-residents of the Russian Federation;
• System of protection against fraud;
• "Loyalty" is a program of motivating customers and creating club systems based on plastic cards.
  AssistID - unique identifier, protected by a pin code, will increase security and provide convenience of payments, both for the store and for the buyer;

Payments to the store account always arrive in rubles. The buyer can pay any currency. The store can issue invoices in rubles, US dollars or EURO (in this case, the conversion is carried out at the current exchange rate of the Central Bank). As a client software you can use any web-browser. No additional software is required.

ASSIST Company has been operating on the market for more than 6 years, customers of the system are more than 600 stores, among them Ozone - www.ozon.ru , Bolshoi Theater - www.bolshoi.ru , Yandex Company - http://www.yandex.ru , Ticket Agency KASSIR.RU - www.kassir.ru

ASSIST is a multi-bank system. Among the settlement banks of the system:
• Alfa Bank
• Processing company UCS
• Baltic Bank
• Impexbank
• Web-invest Bank
• Bank 1 OVK
  

Webmoney Transfer - a system of instant Internet payments, similar to digital cash. In their turnover, you can participate by installing the program WM Keeper. The transfer and receipt of funds is carried out only between the same purses of the System's customers.

You can buy Webmoney (WM) :

- for rubles, joining the Autonomous Nonprofit Organization VM-C . You can enter on the Internet by transferring money to VM-C from any bank or postal order.
- for the currency, transferring money to an account with IMTB Inc (USA). If the client already has money in IMTB Inc (USA), then the transfer to WM is a standard operation.
With the help of WM it is convenient to pay in the Internet shops accepting WM . In addition, if the client paid "With the protection of a trade transaction , " the seller receives money only after the delivery of the goods, i.e. The buyer's protection is embedded in the system algorithmically. Create and publish your store allows the program Shop Creator . In the presence of a working shop, the seller can specify the number of his wallet in the details.
All information in the system transmitted over the Internet channels is encoded with a resistance of at least RSA c with a key length of 1040 bits.

The participants of the payment system are the Bank (the company-operator of the system) and customers. As clients, individuals and legal entities can act, as well as robots, ie autonomously functioning computer programs that play the role of shops, casinos, dealing centers, bookmakers, etc., acting on behalf of both. All clients are equal in terms of the Bank. In particular, in order to be able to accept payments to the client, no special "store" status is required. The client conducts all his operations within the PayCash system using the special software "Wallet" . Participants of the system interact with each other by sending messages over the Internet.
The scheme of the system works as follows. The future client with the help of Wallet opens an account with the Bank (the account is opened (registered) via the Internet "from home"), and transfers money to this account (by cash in the Bank's cash desk, by bank or postal transfer, by credit card, Finally, another client can pay him in the PayCash system). After that, he becomes a client.
To be able to pay within the PayCash system, the client creates one or several payment books in his or her computer using Wallet. Then again, with the help of Wallet, he transfers a certain amount of money from his account to one of the books, that is, to his computer. At the same time, the Bank can not determine which book the money is transferred to. In addition, the Bank does not know who owns particular payment books. Now the client is ready to pay online, anonymously, with the money that is on his payment books. Each payment is authorized by the Bank.
The message chain at the time of payment has the following form: seller - buyer - seller - bank - seller - buyer. At the first step, the seller asks for money from the buyer, and the request includes a signed contract of the transaction. In the second step, the buyer sends the payment data to the seller. Further, the seller sends the payment data to the Bank for authorization. The bank conducts the necessary checks and sends a receipt to the seller, as well as a receipt for the buyer. The seller informs the buyer of his decision and sends him the data encrypted by the Bank in the name of the buyer.
It should be borne in mind that in the PayCash system the client receives electronic cash at his disposal, which, like ordinary paper money, can be lost. For example, if the client's computer "burns out" or is stolen, the client will lose all the money that he transferred to his computer and did not have time to spend. However, if the prudent client retains backup copies of the Wallet settings for the last transfer of money from the account to the computer, he can recover his money.
Thus, the PayCash system is a system of anonymous electronic money (ED), and not just a client-bank system. This is also expressed in the fact that the Bank can not (for example, at the request of the court) prevent the client from spending ED, which he managed to transfer to his computer, otherwise, as he stopped all payments in the system. If a customer is required to withdraw his money outside of the PayCash system, he will instruct the team to transfer part or all of the funds from his account to the System Bank to an account in any non-virtual bank where he or his representative can physically receive them.
When sending over the network, all data is encrypted with public keys no shorter than 1024 bits and symmetric keys are not shorter than 128 bits, so interception of encrypted messages is computationally impossible in the foreseeable future. When implementing the system, precautions are also provided to protect the client from attempts to steal information directly from his computer.

The e-port card was created specifically for registering transactions on the Internet. It allows you to buy:
- PIN codes of telecommunication companies for access to the Internet, payment for mobile and telephone services, IP-telephony, paging;
- passwords and logins for instant access to paid information on the Internet;
- Various goods and services in the stores that are part of the system ...
To use the card, no additional software is required. But you need to register the card at www.e-port.ru .
At any time, the cardholder can:
- get an extract for the transactions with it;
- replenish the e-port card;
- change the PIN code of the e-port card;
- transfer from card to card.
We offer e-port cards with a nominal value of 7 and 21 conventional units. The client can test the operation of the e-port service by using the e-port test card. When carrying out any operation with the card, the data is sent over a secure connection.
There is also a virtual e-port card . It is the requisites (serial number and PIN-code) sent to the user through the secure connection and at the same time possesses all the consumer qualities of an e-port plastic card. There are even a number of advantages: you can get a virtual card of any denomination; The cost of this product does not cover the costs of production and distribution; Card user receives on the Internet, that is, a virtual card is available everywhere (plastic is still distributed only in Moscow).
Information support: [email protected]

The experience of international payment systems, the legal framework of Russian interbank settlements and the possibilities of modern electronic technologies are at the core of the Rapida payment system. It provides individuals, banks, trade and service enterprises with the possibility of remote payment service (remote management of bank accounts, universal payment cards and money orders). Technologies and operating principles of the system are based on the use of remote management of funds in real time, without opening additional bank accounts.
Pay for goods or services (mobile, long-distance and international communication, utility bills and insurance services, Internet access, use of paid information materials, purchases in online stores, etc.) can be round the clock on a fixed or mobile phone, or via the Internet.
You can use the services of the system using the universal payment card "Rapida" . It combines the ability to pay for access to the Internet, long distance calls, purchases in online stores. The cards are issued in nominal value of 0.5, 1 and 3 thousand rubles. The system also allows for quick money transfers to legal entities and individuals.

The basis of the EACCESS electronic payment system is the " Premium Rate Service" service , which allows you to pay for services of paid Internet resources together with a telephone bill.
The principle of the system is simple. The user selects the resource on the site, the services of which he is required, clicks on the link of the EACCESS payment system and gets on the payment form, where he is informed of the phone to call, so that a certain amount is credited to his account, as well as the payment code. It is entered in tone mode or with the help of an operator. EACCESS gives the code of access to the required resource by the payment code. Within a month, MGTS issues an invoice for the amount of the cost of the services purchased. That is, the payment for the user is deferred.
The system strictly controls the calls of users. The invoice is set only on the phone number from which the user calls. For this, the system for determining the subscriber numbers is used and control calls are made. The EACCESS system regularly updates the "black lists" received from MGTS, which include phone numbers of users who do not want to use paid telephone services, malicious defaulters, etc.
The seller of services for connection to the EACCESS payment system needs only to place a link to the system on his website: the procedure for connecting to it is extremely simple.

The system has a simple interface for connecting trade and service companies, and an online store can connect to it using minimal technical and organizational arrangements. At the same time, it is built using SET technology (a technology developed by VISA Int. And Master Card Int. Payment systems to ensure safe payments with plastic cards) and allows to carry out both SET payments and MIA SET (without participation of client certificate) payments. The use of SET guarantees the execution of an operation in which the buyer and seller can uniquely identify each other when making a transaction by exchanging digital certificates. The payment with the SET certificate does not require the customer to enter the parameters of his card.
The system is a payment gateway to the processing system of Alfa Bank and the registered processor VISA Int. It serves international plastic cards VISA , Eurocard / Master Card .
Alfa-Bank-RBS payment system at the beginning of 2002 is the only payment system in the Russian segment of the Internet, certified by two major international payment systems.
The official website of the system is www.paymentgate.ru .

"KreditPilot" is a system of electronic payments that allows you to pay for purchases in Russian online stores, services of mobile operators, Internet providers, telecommunications companies.
Payments are made on the operating server of the "CreditPilot" system , which does not require the installation of additional software on the buyer's side. Access to a virtual account can be done from any computer through a browser. The transfer of information occurs in a secure mode (SSL-3.0.). Security means are certified, comply with state standards (licenses of the FSB and the Ministry of Communications and Informatization of the Russian Federation).

Services for customers:
The system accredits more than 100 sellers of goods and services: Bolero, Aromat.ru, Megashop, Colibri, WStore, online casino Va-Bank, Loto.ru, Molotok.ru, Allsoft, MKRSoft.ru, Payline.ru, SMSmail.ru etc. Megafon subscribers (Moscow and regional networks), Mobile TeleSystems (all regions of the network coverage zone), Bee Line (Moscow and regions), customers of digital satellite TV companies have the opportunity to make direct replenishment of their accounts.

The account in the system "CreditPilot" can be replenished:
In the branch of Sberbank of Russia;
In another bank (a sample payment order - on the site of the system);
KaKartoy "CreditPilot" (sales outlets in Moscow, Sankt-Petersburg, Novosibirsk, Vladivostok).

Shopping services:
Using the system allows you to accept payments (including micropayments, payments on scratch cards, bank transfers). Connection to the system is free of charge, there are no fixed payments (only interest from real transactions is paid).

The official website of the system is www.kreditpilot.com

Guta Bank offers e-commerce enterprises the reception of payment cards VISA and Eurocard / Master Card through their own payment gateway (PG-Payment Gateway).
A payment gateway is a settlement Web server that allows payments to be made by one of the registered means available in the Bank. Currently, the interface for payment cards is implemented.
The basis of the architecture of the system is based on two main principles:
Openness of the system - increasing the functionality does not lead to a change in the basic working subsystems;
Protection of the interests of the user - the store knows nothing about the means of payment of the user (all data on the payment facility is entered on the site of the payment gateway using a secure SSL connection).
Algorithm of payment for the order:
After making an order, the user is redirected to the site of the payment gateway.
The payment gateway analyzes the parameters transferred to processing, if their value is correct, requests the input of missing parameters: payment instrument attributes, additional user characteristics (the list of necessary parameters is configured in the store profile).
After paying for the order, the user is redirected to the URL specified by the store.
A receipt is sent to the store to pay for the order (to increase the reliability of data delivery, the receipt is sent in several ways):
- by email;
- by calling a specific URL on the side of the store (with certain measures taken to ensure authentication);
- through the user when returning it to the URL of the electronic store (certain measures are taken to protect the reliability and integrity of the information).
At the end of the day or at the time specified by the store, a report on successful and rejected transactions is sent by e-mail.
Contact information: tel. (095) 975-65-82, 975-65-65
Contractual base and terms of service: Tel. (095) 975-65-81

The main principle of the Telebank system is the mobility of the banking service. Operations are carried out through the Internet or by phone round the clock and from any place. Through the system you can pay for utilities, mobile phone, MMT account, conduct almost any payments, and convert currency, replenish plastic cards from accounts in the Telebank system. It is enough to contact her and give the appropriate team.
The system is designed for the average user. To perform the operation, it is enough to dial its code, one or two parameters (for example, the number of the paid mobile phone) and the transferred amount. To work with the Telebank system via the Internet, it is necessary to perform a number of simple actions to create an electronic digital signature. However, to save time, you can call a specialist who on-site will perform the required set of work.
Flash presentations:
Internet access channel
Access Channel Telephone
WAP access channel

The Elite payment system is designed for electronic payments in on-line mode using VISA , Union Card , EuroPay , American Express , etc. plastic cards.

The main advantages of the Elite system are :
Ability to make payments regardless of the location and mode of work of the personnel of the electronic store, the acquirer bank. The client can make payments around the clock, the payment participants (client, seller, bank) can be in different cities;
Full compliance with the rules of bank acquiring;
Providing the user with operational information about the results of authorization of the card;
Automatic sending of information about the payment and authorization of the card in the trading system (manager of a particular electronic store);
Independence from issuing banks. The user of the payment system Elit , who makes payments using a plastic card, does not need a special agreement with the bank, the system is as open as any card system ( Union Card , VISA , Master Card ). The agreements for Internet acquiring are concluded only between the electronic store (seller) and the acquirer bank authorizing the plastic cards;
Simple adjustment to increasing quantitative and qualitative business requirements. The system can function with any plastic card authorization servers;
Built-in means for ensuring confidentiality of information during its storage and transfer, means for checking for undeclared information in electronic payment documents, means of access delineation (several levels of access for managers of payment terminals, etc.);
All components of the system are designed for users who do not have special training. The system is open and can be integrated with any accounting and warehousing software complexes, supplemented with modules of statistical analysis of information;
The customer is identified, not his workplace: the client at registration receives a unique name and password for each e-store. Those. The client can make payments from any computer that has an Internet connection.

The Electronic Trading Series (ETR) offers its clients the opportunity to develop their business via the Internet. ETR combines business-to-business and business-to-consumer .
B2B systems are designed to organize the interaction of corporate clients (legal entities). Here you can select an item on the electronic display window, issue an invoice and send it to the MENATEP SPb automated system for payment. Payment will be made in real time. Simultaneously, the operator of the electronic store will receive a message about the order and the need to deliver the paid goods. Delivery of the goods can be carried out both by the firm-seller, and the special delivery agency, the display case of which is located in the same ETR .
The B2C system, implemented within the framework of the ETR , is intended for individuals and allows you to pay for the selected product or service from both the MENATEP account in St. Petersburg and the VISA or Eurocard / Master Card . As in the previous case, all calculations are made in real time.

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