CAFIS REPORT

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Cards & Payments Services Division IT Services & Payments Services Sector 4F Urban Net Mita Bldg., 10-1, Mita 3-chome, Minato-ku, Tokyo 108-0073 TEL: +81-50-5546-8578 URL: http://solution.caﬁs.jp/

NTT DATA Corporation

CAFIS REPORT

_{Introduction of Total Card Payment Ser vices}

Our products, service names, etc. contained in this brochure are our trademarks or registered trademarks.

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H a ppy Engine

Framework for a Society with

More Comfort and Convenience

A concept for the future to create a society with more comfort

and convenience by 2020.

Happy Engine

An array of services we have created to reach every corner of

the world and become the ‘engine’ to create new ‘power’.

We believe that the ‘power’ will make both consumers and

businesses happy!

By providing advanced, highly-reliable card payment services

that customers can trust and taking pride as an infrastructure

developer shaping the future of our society, we will create the

‘future society’ under the concept of “Happy Eng!ne”.

INDEX

Message CAFIS Inbound CAFIS Arch CAFIS Brain CAFIS Global What We Do About CAFIS

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MESSAGE

Create

The Future

Since its launch in 1984, the CAFIS has succeeded in becoming an essential social infrastructure thanks to the support of credit card companies, ﬁnancial institutions, member stores, and various associations and organizations. We believe that the major factor for growth is our capability to come up with new ideas while always addressing customers’ needs and proposing new functions and services that are always one step ahead of the times.

There is no end to our efforts toward transforming the CAFIS into a more convenient, reliable, and trustable service. We will put effort into the evolution of the CAFIS toward the 2020 Tokyo Olympic and Paralympic Games and promote a shift to cashless transactions as well as diversification of payment methods. We at NTT DATA Group are pushing forward the globalization of our business under our group vision̶Global IT Innovator. As a partner who leads customers’ global businesses to success and in order to provide a wide variety of services, we will continue utilizing the ‘gene’ of the CAFIS which has been leading the domestic payment infrastructure.

To become a company which makes contributions to the growth of customers and society, we will continue tackling new challenges through the ever-evolving CAFIS for both regional revitalization and a globalized society.

We are looking forward to continued business with you and would like to kindly ask you for your continued support.

CAFIS strives for continuous improvement for the

future of regional revitalization and global society.

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At the end of 2014, six ministries and agencies including the Ministry of Economy, Trade and Industry announced the “Policy for the Shift to Cashless Transactions”.

This policy is a public-private initiative in anticipation of regional revitalization as well as of environmental improvement for increasing the number of tourists from overseas and the 2020 Tokyo Olympic and Paralympic Games, as the promotion of cashless payment would contribute to vitalization of business transactions and creation of new businesses.

In the meantime, in recent years, payment services in Japan are experiencing a major transitional period as an emerging company called FinTech has been showing strong expansion in the ﬁeld of ﬁnance and new technologies, and business models for payment have been introduced.

To promote the shift to cashless transactions in Japan through the utilization of the CAFIS, a leading payment infrastructure in Japan, NTT DATA will carry forward diversiﬁcation of payment-related services including solutions for tourists from overseas and continue making improvements with our customers through globalization, open innovation and other services. In July 2015, the Cards & Payments Services Division which is providing the CAFIS was incorporated under the Corporations & Solutions Fields due to an organizational and structural reform. With this reform and through collective eﬀort of the Corporations & Solutions Fields, we hope to walk hand-in-hand with member stores and other corporate customers to further improve our customers’ earnings and CS.

For ﬁnancial institutions and card companies, we will maintain close cooperation and strive to better serve as a global business partner.

CAFIS grows and evolves with our customers and we appreciate your continued business with us.

Many of the services which center on the CAFIS are provided 24/7/365 and we will continue putting eﬀort into improving BCPs while taking into consideration the lessons learned from earthquakes and other incidents. Additionally, many of the services provide an extremely high level of security and we continuously implement appropriate measures against security threats which keep evolving every day.

For continuity and eﬀective implementation of these services, we have acquired certiﬁcation such as ISO20000 and ISO27000 with global standards.

We will continue doing our best through collective eﬀort of all employees under the slogan of “Clients First”.

Thanks to your continued support, CAFIS has been able to keep expanding as a payment infrastructure that supports Japan. Due to the changes in the business environment and the diversiﬁcation in payment methods in the recent years, there has been an increasing demand for the swift implementation of various payment services on top of the payment infrastructure function.

We, the First Development Section, are commercializing the most-advanced payment services such as “CAFIS Arch”, a cloud payment service, and prepaid card services in order to create new services that satisfy these customer needs. Additionally, we are in charge of formulating system strategies for the entire CAFIS to support these new services. While incorporating new technologies and development methods and putting eﬀort into raising the bar for manufacturing, we continue developing payment services that satisfy the expectations of customers and society.

Yuji Ohno

Executive Manager of First ICT Development Section

Toshiyuki Takabayashi

Executive Manager of IT Service Section

CAFIS’

s evolution continues further as

a payment infrastructure that supports

the shift to cashless transactions in Japan.

CAFIS

Evolves

Masahiro Kawai

Head of Cards & Payments Services Division

Executive Manager of

Strategy & Development Section and

Executive Manager of Sales Section

CAFIS has reached its 31st year since its launch thanks to the continued support of our customers. During these years, we have been providing all kinds of payment-related services besides credit card payment such as multi-payment network (Pay-easy), convenience store payment service, online wire transfer acceptance gateway service, and fraud detection service (CAFIS Brain).

We are committed to meeting the expectations of our customers by continuing to provide frameworks which make the purchasing experiences of both domestic and overseas customers more fun and convenient while accomplishing our mission to safely and swiftly relay payment data that are the bloodstream of the economy.

Masazumi Tsunoda

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MESSAGE

CAFIS Inbound

Asian Card Payment

01 CAFIS provides you with payment and tax free services

for ensuring satisfaction of foreign tourists to Japan.

People from Asian countries account for 70% of the foreign tourists to Japan. CAFIS can accommodate China UnionPay card which is now used in China as well as all over the world, Shinhan Card which is the most used in-house credit card in Korea, and Taiwan SmartPay’s debit payment by which you can make a debit payment using an IC card issued by any Taiwanese domestic banks that is a member of Taiwan FISC. We will further improve the convenience and satisfaction of foreign tourists to Japan from Asian countries by actively accommodating card payments of other Asian countries.

Either “denominated in a foreign currency” or “denominated in Japanese yen” can be chosen at the time of payment through the POS, CAFIS Arch terminals, or INFOX terminals installed at your store. Foreign tourists to Japan can do shopping without worrying about the risk of exchange rate ﬂuctuations.

CAFIS Arch terminal’s optional device “Electronic Signature Pad” allows you to choose your currency easier than ever as it displays corresponding national ﬂags when choosing a currency.

It’

s Time for Attracting

Foreign Tourists.

TOPICS

_{Card Payments in Asia}

Dynamic Currency Conversion

02 Multi-Currency Payment Service

Tax Free

03

By installing a dedicated, printer-integrated, tax free form issuance terminal and a passport reader next to client store’s POS device, tax free forms can be issued smoothly at the time of payments by foreign tourists to Japan.

It improves convenience and satisfaction of these tourists by omitting the hassle of writing passport information down on tax free forms.

Single stationary CAFIS Arch terminal can provide you with both payment functions and tax free forms issuance function.

You can deliver store information, coupons, etc. to the smartphones of foreign tourists to Japan at the best timing based on positional information of smartphones (Wiﬁ/GPS/Beacon) as well as smartphone users’ attributes information.

By integrating CAFIS payment data, etc. and sending push notiﬁcations to the smartphones of foreign tourists to Japan, you can start promoting your business prior to their visit to Japan and even after they return to their own country. Not only does it stimulate foreign tourists’ appetite to purchase at your store, it also increases the possibility of these tourists to become repeat customers during their stay and during future visits.

We are also planning to integrate tax-free purchase data in near future.

Easy Issuance of

Tax Free Forms

Card Linked Offer

04 Sales Promotion and Customer

Retention Utilizing Smartphones

Tax-free purchase data POS or INFOX

Dedicated terminal for SmartPay Tax free terminal

Client’s Headquarters

Various Payment Services

Multi-Currency Payment Service: CAFIS DCC

Client Store

Improve convenience and satisfaction of tourists from Asian countries to Japan by providing international branded credit card payment services, payment services of Asian countries, and contactless IC cards (NFC).

Before Visiting Japan

*The diagram above is a conceptual diagram and some of the functions are expected to be implemented in the future.

Install an application

After installing an application, store information will be sent when personal information is set.

NTT Data

Payment transactions Create repeat customers from overseas. Encourage them to come to your store again by regularly delivering event information. After Returning Foreign tourists to Japan Sales Promotional Solution for Smartphones

We have created a sales promotional solution which targets foreign tourists to Japan based on the tax-free purchase data. Utilizing “CAFIS Presh”, a sales promotional solution for smartphones, we deliver discount information and coupons based on Wiﬁ/GPS/Beacon positional information, payment data, tax-free purchase data, and customer attribute information. Coupons Use coupons During in Japan Tax-free purchase data Payment data Integration of tax-free purchase data Receive coupons Coupons Deliver discount information to customers after shopping, etc. Foreign tourists to Japan Create repeat customers

Client’s purchase data Coupons Receive coupons Asian Card Payment Keyword

01

Taiwan Smart Pay Debit Payment China Union Pay Card Payment Korean Shinhan Card Payment Card Linked Offer Keyword

04

Tax-free transactions Tax Free Keyword

03

Issue tax free forms

Tax Free Service

*For availability and available currencies, please contact a credit card company with whom your member store has a contract.

Contactless IC (NFC) Payment

Improve convenience and satisfaction by providing payment denominated in tourists’ own currencies.

Issue tax free forms US Dollar Russian Ruble Baht Canadian Dollar Dong Ringgit Philippine

Peso IndianRupee

Australian

Dollar UK Pound SingaporeDollar Euro New Taiwan Dollar Hong Kong Dollar RMB ₫ $ $ $ ₨ € $ ¥ $ ฿ $ $ ￡ ₱ Keyword

02

Dynamic Currency Conversion

Branded Credit Card Payment

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MESSAGE

Further All - in - One

03

04

01

By combining one new stationary CAFIS Arch terminal and optional devices, you can get all functions necessary at your store such as processing of payments by credit cards, debit cards, and contactless IC cards (electronic money and NFC), issuance of tax free forms, and a shift to electronic signature for credit card payments.

TOPICS

Maximum Ef fectiveness

with a Small Space

Inbound

To Be Loved

by Foreign Tourists to Japan

Flexibility & Expandability

02

With conventional payment terminals, we need to send on-site technician or send-back maintenance to add or delete payment applications because payment applications were implemented in the terminals.

On the other hand, CAFIS Arch employs a thin client system in which payment applications are held at the CAFIS Arch Center. Therefore, new applications become available to be used by terminals immediately after registering them to the Arch Center, allowing you to ﬂexibly expand functions depending on customer needs.

CAFIS Arch is a terminal which can be used as a regional revitalization tool by realizing CAFIS Inbound.

It can accommodate branded credit cards, domestic credit cards, as well as UnionPay Card and Shinhan Card for tourists from Asian countries who account for the majority of foreign tourists to Japan.

Foreign tourists to Japan are a l w a y s c o n c e r n e d a b o u t exchange rate ﬂuctuations when doing shopping in Japan. With C A F I S A r c h , t h e y c a n d o shopping without worrying about the risk of exchange ﬂuctuations because they can choose to make payment either in their own currency or in Japanese yen. In the past, we had to write information

down on special slips such as purchase records for tax-free purchases when foreign tourists to Japan were doing shopping at tax-free stores. With CAFIS Arch, you can print out tax free slips

from the terminal by reading passport information with a passport reader and inputting purchase information to the CAFIS Arch terminal. It will signiﬁcantly reduce the time necessary for the issuance of tax free forms, so you don’t have to make customers wait any more.

Flexibility and expandability

unique to a thin client system

Regional revitalization &

Expandability of non-cash payment

As a Tool for Regional Revitalization

Expandability of Payment-related

Functions and Client’

s

Unique Functions

CAFIS Arch

A perfect tool for inbound tourists and regional revitalization.

A new type of card payment terminal, leading far ahead.

Change Everything with

TOPICS

“CAFIS Arch” is a comprehensive payment platform which provides payment functions, inbound functions,

and supplementary functions for various payment terminals.

Unlike conventional payment terminals, its functions can easily expanded as it employs a “thin client system”

in which application functions such as payments are held at “CAFIS Arch Center”.

Electronic Signature Pad

・Credit card signature Electronic signature for slips

Electronic money reader/writer

Passport reader

・Reads passport for issuing tax free forms

*Above terminal and devices are connected by cables in an actual situation.

Tax Free

Service

Terminal + PIN pad Multi-currency payment Electronic signature Basic functions Union

Pay Tax free formissuance

Electronic

money Store’applicationss unique

Rewards

Whatever you want, whenever you want. Whatever you need, whenever you need.

CAFIS Arch can oﬀer more than payment and tax free related functions.

It can work as an eﬀective tool for accommodating electronic money of diﬀerent regions and for regional revitalization through loyalty programs which utilizes payment terminals. Moreover, works unique to client’s stores such as parking stub transaction and sales report preparation by each store can be implemented as well.

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シンクライアント型総合決済プラットフォーム CAFIS Arch。

やりたいことを、やりたいときに。必要なものを、必要なときに。

お店の方が欲しいサービスを、豊富なサービスから選べます。

ですべてを変える。

Ever-increasing unauthorized

online transactions

Users’ device information

must be checked to prevent

identity theft which has been

increasing in recent years.

Currently, changes in the methods of unauthorized uses are considered to be one of the factors for the increase in unauthorized transactions and accesses.

In the past, unauthorized accesses were mainly done by hacking into servers and/or databases or done by people inside the organization. Therefore, we have been dealing with them by preventing entry with ﬁrewalls or utilizing information such as security codes or one-time passwords, which are supposedly known only by the person, for authorization.

However, majority of the unauthorized access damages nowadays are due to identity theft such as “list-based attacks” in which an unauthorized person/people tries to log in using a list of IDs and passwords illegally obtained from leakage.

Also, these attacks are becoming more sophisticated, for example by trying to log in from multiple IP addresses at diﬀerent times to pretend as normal login. With conventional security measures, it is diﬃcult to prevent identity thieves from accessing.

In recent years, the e-commerce market for domestic consumers has been steadily expanding and it is expected to expand further. Meanwhile, the number of unauthorized transactions and logins on the internet has been increasing with the increase in the number of online transactions.

In response to these situations, the “Credit Card Transaction Security Measures Council” was formed in spring 2015 with respect to credit card use, and people from diﬀerent industries has been cooperating and putting eﬀort into improving the trust from consumers.

Moreover, in spring 2015, the Financial Services Agency partially revised the “Comprehensive Supervision Policies for Major Banks”, the “Financial Inspection Manual”, and other documents to add policies for detecting unauthorized logins, abnormal transactions, and other issues and for preparing a system which swiftly notiﬁes users.

CAFIS Arch

TOPICS

CAFIS Brain

Unauthorized use of credit cards and unauthorized remittance through online banking.

CAFIS Brain detects these unauthorized transactions.

Safe and Reliable Online Transactions

Detects transactions by checking various information

Device information Login information Application information Purchaser information Detects unauthorized online transactions Detects unauthorized applications Detects unauthorized logins It detects unauthorized purchases

in online mail orders, etc.

It detects false applications in various online applications.

＜Example Use＞

●It prevents unauthorized membership registrations in online membership reg-istration.

●It prevents false credit card admissions in online credit card admissions.

●It prevents unauthorized opening of bank/ securi-ties accounts in online account opening applica-tions.

＜Example Use＞

●It prevents unauthorized reservations in online air plane tickets reservation.

●It prevents unauthorized sales in online product selling.

To identify identity theft, we need to check

multiple information, including terminal information

of PCs and smartphones used by the user

for accessing, and judge whether or not

the access is actually being made by the person.

With the expansion of online transactions,

companies as a whole industry are pressed to

respond to unauthorized transactions and logins.

01 Background：Increase in

02 illegal network transaction

CAFIS Brain detects various types of unauthorized transactions.

03 Optimal solution：Implement CAFIS Brain

Counterplan：

Need for judgment of the person

It detects unauthorized logins on online membership sites and in online banking.

＜Example Use＞

●It monitors unauthorized logins in online member-s h i p member-s e r v i c e member-s , a n d prevents swindling of membership points as w e l l a s u n a u t h o r i z e d changes to registered information.

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CAFIS Global

Our eﬀorts toward the global implementation

based on the past performances of

CAFIS in Japan.

● NTTDATA Thailand

● VietUnion

By using NTT DATA Thailand, a payment company which has mainly conducting the development of card business processing systems for ﬁnancial institutions in Thailand, as a delivery site and utilizing an array of IT solutions and customer base centering on CAFIS, we are developing new services and providing new schemes to Japanese companies, Thai companies, and surrounding countries.

In Vietnam, we formed a capital aﬃliation with VietUnion, a group company of the SGI (Saigon Investment) group and a company which provides payment services for public utilities, etc. and has the largest market share in Vietnam. We are striving to provide advanced and competitive payment services by mutually utilizing payment solution know-hows obtained through CAFIS, SGI group’s customer base, and VietUnion’s infrastructure.

● Malaysia iPay 88

iPay 88, a company which has the largest share in the e-commerce payment acceptance service business via PCs and mobile phones in Malaysia, has joined the NTT Data group.

By combining our payment business solutions and know-hows that we obtained through CAFIS and iPay 88’s strong customer base as well as payment acceptance service business for member stores and ﬁnancial institutions, we are striving for further expansion of our payment businesses throughout the APAC region including Malaysia.

Asian Payment Network (APN)

01

T h e A P N i s a n o r g a n i z a t i o n established in 2006 under the lead of the central banks of major ASEAN countries (Singapore, Malaysia, Indonesia, and Thailand) in order to establish a ‘new retail payment network in Asia’, and non-ASEAN countries such as Korea, China, Australia, and New Zealand, as well as Philippines and Vietnam have joined since 2010. It has been s t u d y i n g a n d p r o v i d i n g n e w f r a m e w o r k s f o r r e t a i l p a y m e n t businesses between countries. NTT Data had been considering

joining the APN based on the assumption that the necessity for retail payment services would increase in Asia as more and more Japanese companies and banks increase make entry into other Asian countries. Thus, in 2014, NTT Data was admitted to the APN, becoming the ﬁrst Japanese company to join the organization.

Financial institutions in Japan will be connected online with ﬁnancial institutions in APN member countries through the system which NTT Data is planning to develop, and foreigners to Japan such as tourists from Asia-Paciﬁc region countries will be able to withdraw cash and do shopping in Japan just like UnionPay service by using their own bank cards. Additionally, Japanese tourists will be able to withdraw cash in local currencies in ASEAN countries with no hassle.

First Japanese company to join the APN for a comprehensive overseas connection

Global development

02

By leveraging our business operation, technologies, and know-how of CAFIS and in cooperation with overseas companies, we have been putting eﬀort into expanding a CAFIS-centered card & payment business in APAC countries such as Thailand, Vietnam, and Malaysia that have been growing rapidly.

Global development for card & payment business expansion

● Global Blue TFS Japan

We established Global Blue TFS Japan, a joint company with Global Blue which is the world’s most recognized tax free procedure company, and have been providing tax free services at the time of sales to foreign tourists to Japan.

ATM Internet_Banking

Mobile Banking POS Remittance Bank A

APN

NTTDATA

Singapore

Thailand

Philippines

Vietnam

Australia

Asian Countries

Malaysia

Indonesia

Korea

China

New Zealand

Japan Joined

More Member Countries

Local Currency

Customer b of Bank B

ATM Internet_Banking

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What We Do

Services Provided by CAFIS

Convenience

Store Payment

Acceptance

Service

Physical Store

Card Payments

・Branded credit cards

・Domestic credit cards

・Contactless IC cards

・Debit cards

・Prepaid cards

Convenience

Store

ATM

・Regular payments for public utilities ・Regular payments for insurance/ ﬁtness clubs

Credit Card

Payment

Acceptance Service

・Fees and taxes ・Mail orders, public

utilities Payments via smartphones

Acceptance of

Various Payments

Card Payments

on E-Commerce

Stores

・Parcel delivery ・Initial insurance premium payment ・Taxi ・Special events

At-The-Door

(Mobile)

Card Payments

Acceptance of

Online

Wire Transfer

Agreement

・Asian card payments

・Multi-currency payment service ・Issuance of tax free forms ・Card Linked Oﬀer

Inbound

・Customer retention

・Marketing analysis ・Leading customers from

online sites to physical stores

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CAFIS is the largest card payment network in Japan provided by NTT Data.

We provide support for payment-related matters

24/7/365 by connecting various types of member stores

and almost all credit card companies/ﬁnancial institutions.

With CAFIS at the core of our services, we continue

creating new solutions to satisfy clients’ needs.

About CAFIS

Overseas

Financial

Institutions

About

200

organizations

Payment-Receiving

Organizations

About

120

companies

Credit Card

Companies

Financial

Institutions

Member

Stores

Direct Shared Center for Financial Institutions Department stores, GMS, SC, etc.

Parcel delivery,

taxi,

hospital, etc.

Online stores

Signature

Pad

CAFIS Arch

INFOX

POS

About 2,000 companies

Online Bank Transfer Acceptance Gateway Service

Convenience Store Payment Acceptance Service

About

43

,

000

stores Payment-Receiving Organizations Cell Phone Users Convenience Stores Government Oﬃces About

1,600

institutes Internet Smart-phones, tablet devices Server About

3

,

000

companies About

800

,

000

terminals INFOX Slip

Computerization Service

Online Bank Transfer Acceptance Financial Institution Front Desk Service Credit Card Payment

Acceptance Service CAFIS Slip Storage Service Instant Payment Gateway Service Overseas Networks

Proven Convenient CAFIS and INFOX-NET have information Safe Reliable

processing centers at two diﬀerent locations in Japan to ensure continuity of services even in the event of major disasters.

CAFIS has been supporting card payments in Japan for over 30 years since its launch in 1984. This enduring success has never been rivaled by any other companies.

We oﬀer a high level of security through compliance with international security guidelines and other standards. Moreover, we are committed to thorough protection of users’ conﬁdential information by quickly responding to security requirements.

We continue improving convenience for our clients and card holders by quickly incorporating new payment schemes. Moreover, our services as well as the help desk and monitoring functions are provided 24/7/365.

CAFIS inter-center connection service CDS CAFIS Arch PastelPort INFOX BlueGate CAFIS MCP Pay-easy

Online Bank Transfer Acceptance Gateway Mobile Regi

Instant Payment Gateway

Convenience Store Payment Acceptance Service Credit Card Payment Acceptance Service

Payments by Asian cards CAFIS DCC

Tax Free Services CAFIS Presh CAFIS Real Aﬃliate SmarP

PaySpremeHouse CAIFS DMP

Solutions for Member Stores

Solutions for Card Companies

Implementation of Cashless Payment

Customer Attraction

CAFIS GlobalGEAR CAFIS Slip Storage Service

Operational Streamlining

CAFIS Brain

CAFIS Brain PaySpreme

Online Bank Transfer Acceptance Gateway INFOX Slip Computerization Service BlueGate User Authentication Service

Solutions for Financial Institutions

CAFIS Brain

Instant Payment Gateway Service

Direct Shared Center for Financial Institutions Online Bank Transfer Acceptance &

Financial Institution Front Desk Service

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Services for Member Stores

This is a service which processes information such as credit authorization online by connecting member stores’ payment servers and CAFIS using special IP cables or other means. CAFIS relays transactions from member stores to card companies or other companies on a real-time basis. In addition to payment services such as credit cards, debit cards, UnionPay cards, contactless IC cards, and gift cards, it supports a wide variety of services such as wire transfer agreement service. In establishing a payment server for member stores, we oﬀer packaged software for connecting CAFIS which is capable of ﬂexibly adapt to various system environment of member stores.

“CAFIS Arch” is a comprehensive payment platform with a thin client system which provides various payment terminals with payment functions, inbound functions, and additional functions.

“CAFIS Arch” terminals provide various payment functions, inbound functions, tax free form issuance function, and additional functions, but they also provide functions to reduce the burden on client stores.

With an optional peripheral device “Electronic Signature Pad”, you can reduce the hassle of handling papers by using electronic signature and switching to electronic payment slips (copies for card companies). Also the “Multi-currency Payment Service CAFIS DCC” makes it easier for you to give instructions to your customers by showing national ﬂags at the time of selecting a payment currency.

CAFIS Inter-Center Connection Service

Accommodates a variety of payment methods by directly connecting clients’ host servers and CAFIS

A comprehensive payment platform with a thin client system

Batch transmission system for sales data of each credit card company

CAFIS Arch

“CDS” is a system which connects member stores and card companies online, and swiftly and accurately transmits files such as sales data, invalidity notification data, validity check data, and gift certificate data.

It will dramatically reduce the burden of p r o c e s s i n g w o r k s i n v o l v e d w i t h t h e communication of sales data, etc. that have conventionally been performed by means such as magnetic tape (MT). Moreover, not only are the ISDN lines available from the beginning, but also the internet connection is available as CDS connection lines. Therefore, further r e d u c t i o n o f o p e r a t i o n c o s t a n d d a t a transmission time is possible.

Implementation of Cashless Payment

1. CDS

2.

3.

● A single interface that can accept many kinds of credit card.

● Shorter checkout time at cashiers with card payments.

● High level of reliability and transaction continuity with the t wo -c ente r conﬁguration.

● The terminals can be installed without DLL because the center has payment applica-tion funcapplica-tions.

● Daily accounting is not necessary because the center manages the daily account function as well.

● Addition of functions and operations can be done easily because applications become available for use by the terminals when they are registered in the center.

● It helps clients reduce MT preparation work, MT communication management work, and MT delivery cost.

● It prevents personal information leakage using security measures for data transmissions.

● It helps clients dramatically reduce the time consumed for data communication

Electronic Signature CAFIS DCC

Line of Terminals Have customers sign on an electronic signature pad instead of paper slips.

You do not have to output copies of slips for card companies, so you can reduce the burden of handling such as mailing of the slips. Copy for

member store customerCopy for

Swipe a card

Input a sale amount

Send a query about rates

Select a payment currency

Conﬁrm the currency selection

Send a query to the center Transaction completes

Stationary Terminal

The best all-in-one terminal capable of providing electronic signature and tax free form issuance functions by connecting with optional devices.

By linking with client’s devices such as smartphones, it allows linking between client’s operations and payment operations.

Smart Device Linked Terminal

Payment Functions Credit, debit, e-money Additional Payment Functions E-sign, CLO, point management

Functions for Inbound DCC, UnionPay

CAFIS Arch

Financial Institutions E-money Companies Card Companies CAFIS Arch terminals Internet connections such as 4G (LTE) INFOX Center

Sales Data

Store A Headquarters Store B ルータ CAFIS IP platinum network Carrier’s network

CAFIS

CDS

Headquarters’

server Paymentserver

Router Authorization Data

Sales Data Router Distributor/Retailer POS Store controller Router POS Store controller Router Company B’s gift certiﬁcates Invalidity notiﬁcation Validity not checked Validity checked Updating process

Card Company A Card Company B

Company A’s sales data Company B’s sales data Company A’s gift certiﬁcates Invalidity notiﬁcations Validity not checked Validity checked Updating process CDS

Edit and Process

POS POS POS Server Company A’s sales data Company B’s sales data Company B’s gift certificates Company A’s invalidity notifications Company B’s invalidity notifications Company A’s validity not checked Company B’s validity not checked Company A’s validity checked Company B’s validity checked Company A’s gift certificates ISDN network Internet Member Store

Please select your preferred currency

Contactless IC reader/writer Electronic Signature Pad Passport reader Optional Peripheral Devices Mobile-Integrated Terminal Terminal

A mobile terminal which is equipped with a communication module. Payments can be made anywhere, from bill collection to restaurant cover charge.

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Services for Member Stores

“PastelPort” is an ASP service which provides a wide variety of payment functions such as credit cards, UnionPay cards, debit cards, prepaid cards, e-money, and point services by directly connecting the POS terminals of client stores and the “PastelPort Center”. With PastelPort, clients do not have to build and manage a server because the Pastel Port Center has all the functions of client stores’ servers that are necessary for payment. Moreover, there is no need for clients to take care of new payment methods when they come out because new functions will be added to our PastelPort Center.

“BlueGate” is a one-stop ASP service which provides payment functions necessary for electronic commerce transactions that are performed online.

While providing added functions such as credit card payment information relay and sales data preparation/transmission (authorization and sales) to improve operational eﬃciency, it signiﬁcantly reduces the burden on clients by outsourcing complex payment server management.

We ensure more secure e-commerce transactions through identity veriﬁcation functions such as 3-D Secure and security codes and by keeping card numbers (optional).

PastelPort

Implementation of card payment solutions for POS terminals without building a server Secure and multi-function card payment service perfect for online stores and mail orders

A Card payment terminal capable of various card payments, wire transfer agreement acceptance, etc.

BlueGate

INFOX terminal is the most frequently-used and most-installed card payment terminal in Japan and can accommodate credit cards, debit cards, UnionPay cards, and contactless type IC cards just by a single terminal. It is also capable of accommodating purchases, wire transfer agreement acceptance, point service, and other services using these cards. We oﬀer a stationery terminal or a mobile terminal depending on client stores’ needs, and also one that can work with the internal LAN which has been built at a member store. Additionally, we oﬀer an optional service (INFOX Sales Tally Service) which provides member stores with transaction data obtained from INFOX terminals.

E C

4. INFOX

5.

6.

A multi-currency payment service “CAFIS MCP” is a service which can provide product guide and credit payment in an overseas customer’s currency when the customer is purchasing a product from a member store’s overseas online site. Payments for goods will be credited to member stores in Japanese yen so that the member stores do not have to handle complex processes such as foreign currency exchange.

Member stores can use this service by connecting through our “CAFIS Inter-Center Connection Service” or “BlueGate”.

Provision of product guide and payments on overseas online sites in customers’ currencies

CAFIS MCP

7.

● It is a one-stop service which provides all payment services.

● It quickly incorporates diversifying payment methods.

● It helps clients reduce cost signiﬁcantly with PastelPort’s payment cloud.

● It will release clients from the risk of building and managing an in-house payment server.

● It has the No.1 track record and security in the industry.

● It will signiﬁcantly reduce the cost for building and managing a payment server.

● It has reliable security measures with a global standard security certiﬁcate.

● It helps sales expand on overseas e-commerce sites.

● It reduces the burden on member stores by crediting in yen regardless of payment currencies.

● It reduces the burden of system development because system development materials and client support are available in Japanese.

● It is capable of accommodating various payment methods.

● It reduces the burden of sales summary preparation ● It is supported by 24/7/365 help desk Member Store (C) Member Store (B) Member Store (A)

POS POS Credit Server Member Store (Headquarters) Sales Information Collection Server タンキングデータタンキングデータ Tanking Data Sales Record Query タンキングデータタンキングデータ Tanking Data NTT Data CDS PastelPort Authorization Data CAFIS Card Companies Sales Data Sales Data Delivery Process Aggregated Sales Data Feedback Process Sales Data by Store

Relay Credit Data NW IPVPN Network, etc. Sales Data

Types of Terminals ( We have multiple models from diﬀerent manufacturers. Please contact us for details.)

iD, QuicPay, transportation IC, Rakuten Edy, Ponta, WAON, nanaco

Compact terminal that can be installed next to a cash register.

It can be linked with POS and connected to in-store LAN as well.

Payments can be made anywhere from bill collection to cover charge at special events,

restaurants, etc.

By linking with PCs and/or tablet devices, it can link client

store’s operations with payment operations. Stationary INFOX Terminal Mobile INFOX Terminal Operation-Linked INFOX Terminal

Available contactless IC cards ( Available contactless IC cards diﬀer by terminal model. Please contact us for details.)

User Card Company A Card Company B Card Company C Member Store

BlueGate

Online Store Server Online Store Owner

Link with Server

Browser Processing Authorization/Sales Identity Veriﬁcation Validity Check Card Number Keeping Function

At the time of purchase

At the time of settlement

￥10,000

paid ＄110paid €85paid

￥10,000

settled ＄110settled €85settled

Japanese

Version VersionEnglish VersionFrench Card Companies Bank Bank Bank

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Services for Member Stores

“Pay-easy” (pronounced as “péi-dʒí:”) is a payment service which enables payment of fees, taxes, etc. through ATMs and online banking of ﬁnancial institutions and which immediately notiﬁes payment-receiving organizations of payment information (cash application information) via the Multi-Payment Network (MPN). The MPN is operated by Japan Multi-Payment Network Management Organization, and we are commissioned by the organization as a MPN system operator to manage a network center and are involved in the promotion and expansion of Pay-easy as a member of the Japan Multi-Payment Network Promotion Association.

“Mobile Regi” is a service by which bills for mail orders, public utilities, etc. can be paid using smartphones and mobile phones. Users can complete payments easily and safety even at home under the secure environment of the online banking just by reading the barcodes on convenience store payment invoices which contain information such as details and payment amount using their cameras.

Pay-easy

A multi-payment network which connects payment-receiving organizations and ﬁnancial institutions Barcode payment using smartphones and mobile phones

Wire transfer agreement acceptance without papers or seals

Mobile Regi

“Online Wire Transfer Acceptance Gateway Service” is an ASP service for payment-receiving organizations which enables procedures for concluding online wire transfer agreements via smartphones and PCs. This gateway enables procedures for concluding wire transfer agreements without papers or seals by using user authentication on ﬁnancial institutions’ websites and linking with the online wire transfer acceptance services provided by ﬁnancial institutions.

Conventionally, such procedures required entry of information by hand and submission of sealed documents. However, this gateway enables procedures to be taken by multiple ﬁnancial institutions via smartphones and PCs on a real-time basis, improving the convenience for both payment-receiving organizations and users.

Payment Acceptance

8. Online Wire Transfer Acceptance Gateway

9.

10.

● It improves the convenience for users by procedures via smartphones and PCs.

● It helps clients improve oﬃce work eﬃciency by reducing the burden of replacing papers for paper procedures.

● It accommodates wire transfer needs of various users as it can be connected with multiple ﬁnancial institutions.

● With the gateway connection, clients can contain costs for system development. PC Mobile Phone ATM Window Channels Provided by a Financial Institution Pay-easy Service Payment-receiving organizations No : Customer No. : Conﬁrmation No. : 12345 1234 8899 Query

Payment to: XX Co., Ltd. Payment for: XX fee Amount of Payment: 12,300 yen

Payment Financial Institution ②Invoice Information Query ①Send Invoice ③Invoice Information Notiﬁcation ⑥Withdrawal ④ _⑤

Payment Request Application Information Notiﬁcation of Cash ⑦

Payment-receiving

Organizations

Multi-Payment Network

(ATM, online banking, etc.)

Payment using an invoice (online method)

Customer’s Account Payment-receiving Organization’s Account Mobile Regi Center Financial Institution Payment-receiving Organization Invoice User ①Read a barcode ②Barcode Information ③Conﬁrm Payment Details ④Payment ⑤Payment Information ⑦Paid Money ⑥Payment Information (Barcode Information) ⑧Paid Money Multi-Payment Network

CAFIS Arch was created based on the voices of various clients who were using payment services. With our clients, we will continue designing new services to provide more comfort and convenience for our society. We designed CAFIS Arch

this time to provide not only payment functions but also a wide variety of functions that will help you attract customers. Please utilize our CAFIS Arch to get a competitive boost.

We employed a thin client system for CAFIS Arch to accommodate diversifying payment methods. We will continue putting eﬀort into accommodating more payment methods. The number of foreign

tourists to Japan is expected to increase further toward 2020. For accommodating the needs of foreign tourists to Japan, please utilize our CAFIS Arch which can provide you with rich inbound functions such as UnionPay, other Asian region payments, and tax free procedures.

Miki Ito

Manager,

Business Development Group

Junko Mizutani

Taeko Shinozaki

Deputy Manager,

Yuuki Usui

The People PC Mobile Phones Consolidation of Interfaces （between payment-receiving organizations and this gateway）

Customers Apply Complete Acceptance Communication/ Broadcasting Credit Cards/ Loans Life Insurance/ General Insurance Payment Acceptance Service Provider Local Public Organizations

City Banks and Japan Post Bank

Online-Only Banks

Regional Banks and Second Regional Banks Credit Unions Online Wire Transfer Acceptance Gateway

Accommodates multiple banks

(accommodates each bank’s speciﬁcations)

● Payments can be made from home or anywhere.

● With improved convenience for payment, it encourages users to make payments earlier and decreases the delinquency rate.

● There is no need for payment-receiving organizations to develop new applications.

Implementation of Cashless Payment

● It improves the convenience for payers using a simple payment method.

● Amounts of payments will be credited to receiving organiza-tions’ accounts as they were invoiced, making cash application works simpler.

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Services for Member Stores

“Instant Payment Gateway Service” is a shared service equipped with various functions that are necessary for client companies in providing their online service users with an instant wire transfer service. Using this service, clients companies will be able to implement an instant wire transfer service easily. An instant wire transfer service is a service which is provided by ﬁnancial institutions and in which client companies can instantly implement a wire transfer system at any time. It can be used if a user has concluded a wire transfer agreement with a company/ﬁnancial institution in advance, and its advantage is that money can be directly transferred from users’ bank accounts easily and instantly with simple operation as an online payment method.

“Credit Card Payment Acceptance Service” is an ASP service which receives regular credit card payments on behalf of payment-receiving o r g a n i z a t i o n s s u c h a s g a s c o m p a n i e s , electricity companies, insurance companies, water departments, and ﬁtness clubs.

Card information is managed at NTT Data’s credit card payment acceptance service center. Therefore, payment-receiving organizations can receive regular credit card payments without keeping card information.

Instant Payment Gateway Service

An instant wire transfer service for users of e-commerce sites An ASP which receives regular credit card payments on behalf of clients

We receive payments on behalf of payment-receiving organizations through convenience stores.

Credit Card Payment Acceptance Service

“Convenience Store Payment Acceptance Service” is a service which enables receiving of payments through convenience stores. Using our ASP payment acceptance service center, clients can use 50,000 convenience stores throughout Japan as payment counters for their customers 24/7/365. It can easily be implemented and help clients reduce costs because it does not require a system connection with individual convenience store headquarters and the paid money will be put together by us.

Payment Acceptance

11. Convenience Store Payment Acceptance Service

12.

13.

● Withdrawals can be made instantly. ● There is no need to develop an individual system with each ﬁnancial institution.

● Payment-receiving organizations will be able to contain system development costs by using the existing format.

●It will reduce the information manage-ment burden on paymanage-ment-receiving organizations as they do not need to keep/manage card information.

● Card registration on websites is also available by using this service together with BlueGate.

● It improves the convenience for payers and decreases the delinquency rate.

● It reduces the system management burden because the payment information from each convenience store will be put together at our service center.

● It can be implemented smoothly through the

ASP. 銀聯様接続開発や海外赴任等、国境を超えた決済事業に携わってきました。現在は EC を通じて日本と海外をつなぎ互いの経済振興に貢献する消費環境整備を進めています。ソリューション営業担当欧陽慧 Website Instant wire transfer request screen

Client Companies

Instant Payment Gateway

NTT Data

Bank a’s speciﬁcations Bank b’s speciﬁcations I/ F f o r c o m p a n ie s Withdrawal requests Acceptance complete Results Account information Financial institution a Financial institution b Financial institution n Customers

C

A

F

I

S

NTT Data’s speciﬁca-tions Bank n’s speciﬁcations Company A Convenience

Stores Payment-ReceivingOrganizations

Company B

Company C

Company D

Company E

Until now . . .

Contract with each convenience store company was necessary.

Payments can be received at convenience stores just by connecting to the payment acceptance service center.

24 24 24 24 24 Company A Convenience

Stores Payment-ReceivingOrganizations

Company B Company C Company D Company E 24 24 24 24 24

Convenience store payment

acceptance service center

Payment-Receiving Organization Credit Card Payment Acceptance Service Center Credit Card Companies Accept, check and register card

payments

User information registration

Sales data Sales data

Sales results data Conﬁrm card validity Process sales Member information management database ・Key information ・Card information 免税等インバウンドビジネスの企画に携わっています。2020 年に向け今最も注目されている市場をさらに盛り上げられるような、最先端のサービス創出を目指します。ビジネス企画担当石川彩香ソリューション営業担当清水貴子担当する百貨店業界でも、アジアを中心に訪日観光客向け決済サービスの引き合いを多くいただいています。商品を通じて担当のお客様と共に国際交流に寄与できることに、喜びを感じています。訪日外国人様向けサービスの企画・検討を行っております。利用者様に「おもてなし」の心が伝わり、さらに加盟店様・カード会社様にご満足いただけるようなサービスを築きたいと日々考えております。ビジネス企画担当佐藤寛子担当者紹介

I have been involved with cross-border payment businesses such as UnionPay connection development and overseas assignment. Currently, I am promoting the development of consumption environment through e-commerce that could connect Japan and overseas countries and contribute to each other’s economic stimulation. Hui Ouyang

Solution Sales Group

I am in charge of the planning of inbound businesses such as tax exemption. We will strive to create most-advanced services to further vitalize the market which has been drawing the highest attention now in anticipation for 2020. Ayaka Ishikawa

Takako Shimizu

We have been receiving many inquiries also in the department store industry that I am in charge of regarding payment services for overseas tourists to Japan centering on those from Asian countries.

I am enjoying being able to contribute to international exchange with the clients I work with through our products.

I am in charge of the planning and studying of services for foreign tourists to Japan. I am committed to creating services that will convey our “mind of hospitality” to users and satisfy member

stores and card companies.

Hiroko Sato Business Development Group

Implementation of Cashless Payment

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Services for Member Stores

The majority of foreign tourists to Japan are those from Asian countries, and the number of tourists from four neighboring countries of Japan has been increasing steeply in recent years.

This trend is evident in the latest ratio of foreign tourists to Japan and especially those from China, Korea, and Taiwan account for over 60% of all tourists. CAFIS accommodates payment by cards that are frequently used in the top three countries, providing satisfaction and excellent convenience for tourists from Asian countries when they shop in Japan.

UnionPay is a Chinese credit card that has become a brand that can be used throughout the world and now considered as one of the international brands. The number of issuance exceeds 5 billion and the number of stores which accept UnionPay exceeds 25 million worldwide.

Shinhan Card is an in-house credit card and is the most-issued card in Korea. By accepting Shinhan Card, you can stimulate consumer activity of Korean tourists to Japan.

“Tax Free Service” is a service provided by Global Blue TFS Japan which was founded in 2013 through a merger between NTT Data and Global Blue, the world’s most recognized tax free procedure provider with a track record of over 30 years.

This service brings you the following advantages by applying information technologies to the retailers’ tax free procedures.

Payments with Asian Cards

More convenient payment for foreign tourists to Japan from other Asian countries

A tax free forms issuance service

A multi-currency payment service which allows tourists to make payments at stores in their own currencies

Tax Free Service

“CAFIS DCC” is a multi-currency payment service which allows customers such as foreign tourists to Japan to choose a payment currency, either denominated in their own currency or in Japanese yen, when they make payments by credit card. Normally, payments are settled in Japanese yen at the time of product purchase, and the payment amount will be converted into the customer’s own currency and notiﬁed by a card company, etc. to the customer at a later date after an exchange rate is determined. CAFIS DCC determines an exchange rate at the time of product purchase and displays both the amount in yen and in the customers own currency, allowing the customer to decide which currency he/she will use for the payment. Therefore, customers can enjoy shopping without w o r r y i n g a b o u t t h e r i s k o f e x c h a n g e r a t e ﬂuctuations. This service is also available with our payment terminal CAFIS Arch and INFOX.

1. CAFIS DCC

2.

3.

● Tax free slips can be prepared swiftly and accurately.

● Tallying and analysis of tax-free sales can be performed.

● It improves the customer attraction rate.

●It reduces the risk of currency exchange that aﬀects prices.

● It reduces the burden on member stores as paid money will be credited in Japanese yen regardless of currencies that are used for payments.

The People

Inbound

Customer Attraction

Taiwan SmartPay is an IC card issued by Taiwan FISC member banks in Taiwan and it can be used for debit payment.

Accepting this card will improve satisfaction and convenience of Taiwanese tourists to Japan.

台湾 SmartPay

Normally With This Service

Sales person Foreign tourist It’s 8,000 yen. 8,000 yen? I wonder how much that is in dollars.

*An amount converted into a foreign currency at an exchange rate determined several days after the transaction will be notiﬁed at a later date.

I am worried how much that is going to be . Sales person Foreign tourist 8,000 yen or 80 dollars. Which currency would you like to use for your payment?

I will pay 80 dollars

I don’t have to worry because the payment amount is already determined! INFOX Please select transaction currency 1. USD 80 or 2. JPY 8,000 EXCHANGE RATE USD 1 = JPY 100.00

Windows PC Type Dedicated Terminal Type

PPR

Printer

Tax Free Counter Register1

POS server Global Blue

Tax free report Option

GripsJ Tax Free System

Provision of serer coordination and full functions

Space-saving and printer-integrated For tax free counters For cash register management

Windows PC

Dedicated terminal Printer (B6)

Internet connection

Passport reader Passport reader Characteristics System Conﬁguration Things required in advance

GripsJ for Terminal

Global Blue

Tax free report

Register2 Register3

My team works with member stores of various industries. Satisfying the needs of our clients is a matter of course, and I always keep in mind not to forget standing in users’ shoes.

Akane Nishiyama

I am involved with the sales of online wire transfer services. A substantial number of clients choose our services in launching their new service. I feel inspired every time a diﬀerent type of service is launched right in front of my eyes.

Hitomi Sato

I am involved with the sales to ﬁnancial institutions.

To create high-value-added CAFIS services, I will continue putting eﬀort into providing a wide range of services while capturing the trend in the ﬁnance industry. Hiroko Aimono

（36,673） 2.12％ Philippines （34,060） 1.97％ Australia （29,556） 1.71％ Malaysia （28,510） 1.65％ Vietnam （27,146） 1.57％ France （27,049） 1.56％ United Kingdom （24,833） 1.44％ Singapore （23,364） 1.35％ Indonesia （21,868） 1.26％ Canada

Great East Japan Earthquake 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 500,000 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Korea China Taiwan Hong Kong （Number）（Year）

Total

1,730,469 （405,731）23.45％（335,140）19.37％ China China （304,619）17.60％（119,602）6.91％（117,930） 6.81％（95,891）5.54％ Korea Hong Kong Thailand （98,497）5.69％ United States Others

Transition of the Number of Tourists to Japan from Four Neighboring Countries

Number of Tourists to Japan in April, 2015

Source: Japan National Tourist Organization (JNTO) Source: Japan National Tourist Organization (JNTO)

Mio Saito

Sales Strategy Group

Since I have a child who is in preschool, I have been working from home with shorter working hours by utilizing the company system which allows employees to balance work and child-rearing.

Easy-to-understand professional services

Automatic and accurate acquisition of necessary information Speedy preparation of tax free documents

3S: Advantages of application of IT to tax free procedures

Smart Smooth Speedy

(16)

Services for Member Stores

“CAFIS Presh” is a sales promotion platform service which allows you to use push delivery and send information such as suitable coupons and campaigns to the smartphone application installed by consumers by utilizing credit card payment information in CAFIS, a payment network provided by NTT Data, and positional information from GPS, Wiﬁ, or Beacon.

“ S m a r P ” i s a s a l e s p r o m o t i o n assistance solution which helps you implement sales promotion measures with high cost eﬀectiveness through member (customer) management and loyalty programs.

It is a one-stop service which provides a variety of functions in a SaaS model and also provides only the necessary functions while keeping clients’ cost burden at a m i n i m u m . M o r e o v e r , i t s d a t a analysis will assist you to expand y o u r F S P ( F r e q u e n t S h o p p e r Program). With SmarP, you can implement loyalty programs that will coordinate with payment by using the existing INFOX terminals and POS terminals (you need to get P a s t e l P o r t ) . A l s o , w e c a n accommodate your needs from the provision of cost-oriented service in a Saas Model to strategy formulation that will involve SI.

“PaySpremeHouse” is a service which provides comprehensive support in implementing prepaid cards which have been a new standard for improving store management eﬃciency and customer loyalty.

CAFIS Presh

A CLO with smartphone utilization for improving customer retention and increasing repeat customers Sales promotion assistance through a total management of customer data of both e-commerce sites and physical stores

It supports the implementation of in-house prepaid cards. Leading customers from online sites to physical stores

SmarP

PaySpremeHouse

“CAFIS Real Aﬃliate” is a service which helps you attract customers to your physical stores. By posting advertisements of physical stores on media such as loyalty program sites, you can lead consumers who have viewed the advertisement or entered into campaigns to your physical stores. Consumers who come to your store will purchase something or receive a service to get the campaign bonus, so customer attraction will directly lead to sales expansion.

Customer Retention

4. CAFIS Real Af f iliate

5.

6.

7.

● It helps clients implement sales promotion measures tailored for each consumer.

● It uses a pay per action model with minimized initial cost.

● It helps clients improve their brand image through the most-advanced approach by capturing the current needs.

● It can be implemented at a low cost using the cloud environment.

● It is a one-stop service which provides a variety of functions from loyalty point rewarding to O2O marketing.

● Expand the aﬃliate eﬀect from e-commerce sites to physical stores.

● Advertisements can be posted on multiple sites.

● It will lead to the acquisition of new customers by leading online consumers to physical stores.

● Improve the store management eﬃciency by fully utilizing the advantages of prepaid cards.

● Turn customers into loyal customers by improving customer service quality.

Point DB Member DB Loyalty point management center

Customer

Magnetic card

Company with the service

Prepaid card center Pay Use Issue INFOX POS ■Read cards ■Message communication

■Print out receipts

■Balance management ■History management ■Terminal management etc. Prepaid card oﬃce ■Member store information registration ■Terminal registration ■Inquiries ・Balance inquiry ・Expiration dates ・Complaints, etc. ■ Balance transfer ■ Refund processing etc. POS server Prepaid card AP/DB server CAFIS connection INFOX connection PastelPort connection

Member (Customer) Store / Business SmarP Data Center Aﬃliate company /_{External environment}

Cards that work on INFOX terminals can be used.

It becomes available once the loyalty program application is installed to the INFOX/POS terminal placed at the store.

Member (customer) data and member store data are kept under our secure environment.

We provide an open platform environment. We analyze data from different angles and implement marketing promotion measures. Usage record Back-office Mobile phone PC POS register terminal INFOX terminal E-commerce site Terminal for management Affiliated company Card company Loyalty point data Loyalty point exchange CRM creation

Loyalty point card

Aﬃliated credit card Smartphone PastelPort

SmarP

INFOX SmarP server Member DB store DBMember WEB-API BluetoothInternet network Usage data

Push notiﬁcations (e-mail magazines)/ “Thank you” e-mails

My Page (history check, member store search, etc.)

Use Data download system setting instructions

① Customer analysis (analysis of new, paid, idle, and cluster)

② Study on customer ﬂow ③ Analysis by area and age group ④ Purchase trend (unit price, No. of days, frequency, payment method, etc.)

Customer management

Existing Aﬃliate Service

Physical store

E-commerce site

Purchase

Lead consumers from loyalty program sites to e-commerce sites.

Card company

Lead consumers from loyalty program sites to physical stores.

Af ﬁliate ASP

CAFIS Real Af ﬁliate Service It extracts physical store

purchase data from the transactions in CAFIS.

Loyalty Program Site

P

Customer Attraction

① ② ③ ④ Positional information Beacon GPS POS Payment

information Positionalinformation

Store

Limited time

oﬀer 14:00 ̶ 30%OFF 10%OFF Discount salefrom Jul. 1

!

・Utilize the existing INFOX terminal/CAFIS ・It can be used by CAFIS Arch as well!

① Deliver coupons before/when a customer comes.

Deliver information suitable for speciﬁc customer attributions by capturing positional information.

② Deliver coupons after payment.

Deliver coupons based on purchase information on a registered credit card to encourage the customer to visit multiple stores.

③ Deliver discount information of the store.

Deliver coupons/discount information based on time and positional information.

④ Lead the customer to other stores.

Delivery event information and coupons of nearby facilities and group facilities.