Innovative technologies for e-business
Transkrypt
Innovative technologies for e-business
l Innovative technologies for e-business On-line payments in professional hands If you want to sell your goods or services via Internet you have to have a mechanism for receiving money for them, this is a payment service. Such service should make it possible to receive payments from the maximum possible number of banks (cards, purses, SMS-es etc.) and notify immediately of each payment received. Low operating costs We offer attractive and clear charges for using our system. No subscriptions or fixed charges apply, you are charged only in case you receive payments. Full supervision over transactions Przelewy24 has been charting standards for other Polish services handling Internet payments from the beginning of its operation. It provides the largest number of payment methods in Poland, and in this respect is still an unquestionable leader. The highest level of services is ensured by the certificates held, continuous improvement of IT solutions and the implemented safety policy. If you decide to use the system Przelewy24 you will get access to administration panel in which you can monitor the summary of transactions made and additionally your shop will be automatically informed on-line on every payment received. Safety Easy installation Complete installation process may be gone through in just one day. After arranging all formalities related to the registration you can make use of the readily available scripts or modules. Using the solutions provided by us, you can easily install Przelewy24 payment system in your service. SSL certificate ensures protection of web sites and confidentiality of data transferred electronically, allows for encoding any service provided via the Internet. Thanks to this security system there is no possibility to intercept data transferred via the web site. Users of the web site have absolute certainty that they connect safely with the right service. Przelewy24 system uses the SSL safety certificate by Thawte Technologies Inc. Thawte's certificates are recognizable as reliable by all Internet browsers. The largest selection of payment methods Payment methods Debit cards We make automatic payments available 24 hours a day, 7 days a week with on-line transfers from over 30 banks in Poland, with debit cards VISA, MasterCard, Diners Club, JCB, American Express, SOLO. Our offer includes also international multi-currency payment systems such as PayPal and Moneybookers. One can also find here mobile payments which are constantly increasing their share in the market. Globally recognizable symbols VISA and MasterCard guarantee the possibility to make payments in any currency from any location. Debit cards are ideal for e-commerce – authorization is made within seconds, they are suitable for shopping in the country and abroad as well. Mobile payments On-line transfers It is the most popular form of payment for online shopping in Poland. Over 80% of all buyers choose this form of payment. Thanks to advanced on-line banking solutions integrated on one platform Przelewy24 the shop gets instant notification of any payment received. Our offer includes handling of the largest number of banks. In each bank there is ensured full automation of payment process from the moment of preparing the transfer for the payer and confirmation of payment received by the final recipient. One of the forms of mobile payments is SMS Premium. Maximum simplification of payments through sending one sms for increased charge. Perfect solution for advertising systems, receiving payments for access to contents, sales of applications for mobile phones and many others. Our offer includes also other solutions for making payments with the use of a mobile phone, such as: SkyCash system, which makes possible payments through a mobile application handling of bank transfers via SMS mobile banking Many years experience in e-commerce Marta Abramowicz Marketing & CR Manager DialCom24 is a Polish company operating in the Internet services market. The company specializes in creating and operating software for a wide range of services connecting business and individual clients. The main advantage of the company is the experience and extensive exte expertise within the scope of the needs of modern e-commerce. The idea of DialCom24 is to implement modern solutions supporting operations of entities in the e-commerce commerce sector. Thanks to the top quality of products offered, the company is one of the th leading companies in Poland in the sectors in which it offers its services. DialCom24 has been founded in 2003. Since the beginning of its operation the company puts much emphasis on supplying top quality applications and professional services in order orde to meet the requirements of the most demanding clients. Michał Bzowy Vice President of the Managing Board At present thousands of clients use the services provided by DialCom24 every day. Over 8,000 companies cooperate with us on regular basis. Constant nstant improvement of the quality of services offered by DialCom24 results in the growing number of clients served. During the last year the number of users of Przelewy24 system has increased by over 200%. The company employs highly qualified specialists in IT, customer service and sales departments, to make sure the recipients of services and the buyers have ensured the highest level of service. Preferred forms of e-payments Analyzing clients' behaviours over the last few years, one can find out that over 80 % of the clients choose Internet transfer as the method of payment for their on-line line shopping. Such specific distribution results, first of all, from the advanced e-banking banking solutions implemented in the Polish banks. Having the possibility to make payments with an instant transfer from the account in his bank, the client does not need a payment card which is very popular abroad. Due to the fact that mBank was one of the few banks which introduced the Internet based extended account management, nt, it managed to attract a significant number of clients. Over the time, as other banks started introducing new tools, the share of this bank in the total number of transactions has been gradually decreasing. More and more banks improve their electronic banking anking systems with new features, including ee transfers, which provides the clients with the possibility to make instant transfers in a very simple way. In the Polish market, payments made by on-line on transfers tend to supplant payments made with cards. Despite spite the fact that card transactions are equally safe for the payer as on-line line transfers, it is still believed that operations made with card are burdened with more risk. On the other hand, the ease with which one can send a transfer is comparable to filling-in the form for card payment, which also speaks for the transfers. An important factor influencing the advantage of transfers over the cards is their availability among young persons. Such persons have bank accounts with on-line on access, whereas those se accounts are usually offered with debit cards (Visa Electron, Maestro), which by most Polish banks are not accepted for the use in the Internet. Another channel for executing payments constitute mobile payments, including SMS Premium which is the most popular one at the moment. Due to high handling costs, this form of payment is dedicated to service sectors such as advertising service, access to payable contents, but also different kinds of promotional actions such as competitions, voting, etc. The mechanism hanism of SMS Premium payments is the simplest and the most comfortable for the payer; the entire operation consists in sending one SMS. Mbank Bank PKO BP Karta płatnicza ING Bank Śląski BZ WBK Bank PEKAO S.A. Konto Inteligo MultiBank Lukas Bank Bank Millennium Kredyt Bank Alior Bank Bank Nordea Bank BGŻ Pozostałe Figure 1 - Distribution of use of the payment forms in Przelewy24 Comprehensive handling of financial and accounting issues From the beginning of creation of the system Przelewy24 strong emphasis was laid on creation of the system which was friendly for both the payers and the sellers. Already at the start, beside automatic notification of the sellers' systems of payments received, there was made available special control panel, in which it was possible to monitor transaction status and configure the payments schedule. At present the panel is being extended with reports and SMS transactions record. Invoice handling - SODE Accounting for receivables The most important advantages of e-Invoice: quick delivery to the recipient automation of the process of issuing invoices reduction of costs related to printing and sending invoices by regular post constant access to the invoices both for the issuer and the recipient taking over the responsibility for storing invoices for the period of 6 years signing invoices with a qualified signature Settlements with our partners – payment of receivables is executed without a break on every day. The solutions applied guarantee in as many as 85% of cases sending a transfer on the date of generating an order, other transfers are sent on the following banking day. Such approach guarantees maintaining financial liquidity and quick delivery of payments to the bank account of the seller in the shortest possible time. Invoicing Since mid of 2009 handling of invoices issued for the services provided by Przelewy24 has been transferred to an external system of electronic documents handling SODE (www.sode.pl). Thanks to this solution our clients receive documents which comply with all requirements concerning electronic documents (e-invoice). SODE system allows for the mass and individual issuers to send electronic invoices to the recipients of their goods and services. The documents sent comply with all requirements of electronic invoices. A document issued with the use of the system is provided with a qualified signature, which guarantees its authenticity. e-Invoice contributes to protection of the environment and saves money for the company. The most important advantages of e-Invoice for the recipient: all invoices are available at one spot invoices are stored for the period specified by the regulations at Przelewy24 server access to the invoices from any location with Internet access possibility to make payments for the invoices directly through Przelewy24 possibility to receive invoices directly to email box Useful tools SMS Marketing Mass payments Recently there has been activated one more interesting service from the panel Przelewy24 – namely the possibility to send mass information SMS-es to numbers from a given list. Easy installation and simple management allows preparing and launching this functionality within several minutes. In the result of thorough analysis of market phenomena and based on the many years experience supported by numerous achievements within the scope of electronic payments, Dialcom24 Sp. z o.o. is happy to offer you a universal electronic payments module UMEP which is able to handle the recently implemented electronic invoice handling systems EBPP. Making the assumption that the service offered is an independent one, it is suitable for implementation in both the model of direct cooperation with you and for cooperation with external systems, which either way results in full transparency of generated costs. Our offer will present both models and the current functionality of the system based on unique technological solutions – BANKBROWSER - contributing to technological advantage, safety and reduction of costs. Single SMS ensures quick contact between the sender and the recipient. It is the best way of sending and exchanging significant information. Thanks to this service sender of a SMS is sure that the recipient receives correspondence in a very short time, usually within few seconds. Mass SMS it is a service where the sender may efficiently advertise its products or services. Every company, no matter how small, has got its own data base of clients, which is crucial for the effective functioning of the company. This service enables simultaneous sending of one message text to multiple users. To do this, one has to key in the text, mark predefined group of recipients and confirm. This service is suitable for creating different types of promotions of goods and services and for sms campaigns. It can also be used for information purposes, to inform own clients of all kinds of significant changes, e.g. within the company. BankBrowser is our tool for payments via the Internet. It has been used successfully for over 2 years. With the use of BankBrowser we obtain such effects on the bank's web sites as transferring data to transfer order form and sending confirmation of execution of a transfer to the Issuer. Address details Dialcom24 Sp. z o.o. Contact: Correspondence address: Trade Office: [email protected] 60-327 Poznań, ul. Kanclerska 15 Customer service: [email protected] NIP 781-173-38-52, REGON 634509164 District Court in Poznań, 8th Commercial Department of the National Court Register, KRS No. 0000306513. Hotline: +48 801 00 33 24 For mobile phones: +48 61 867 92 53 Fax: +48 61 642 90 31 www.przelewy24.pl ©2010 DialCom24 sp. z o.o. Share it with others Tool for division of transaction amount Modern platform Running an Internet shopping arcade or another system concentrating goods and services from many suppliers on one platform, there is the problem of accounting receivables for respective suppliers. Settlement of each transaction with a single supplier limits the possibility to buy goods and services from many suppliers under one purchase order. If you want to automate the process of money transfer between the client and the supplier, and still control the value of the amount to be transferred to the given supplier, please get acquainted with our offer. Problems to be solved one platform many suppliers, unlimited number of products at one purchase order making payments in a single transaction quick and automatic transfer of payments to the suppliers Simple solution A client places an order at your web site. After making payment through Przelewy24 and sending information to the selling platform your system decides how to use the amount from the given transaction. The full amount may be transferred to your bank account or it can be split into a number of accounts of respective suppliers. All is done automatically through API made available by Przelewy24. Dialcom24 Sp. z o.o. 60-327 Poznań ul. Kanclerska 15 Payment system Przelewy24 guarantees regular payments to the accounts of the suppliers. Any time one can generate a transfer of the amount due. Contact: Trade Office: [email protected] Customer service: [email protected] Tel.: +48 801 00 33 24 Tel.: +48 61 867 92 53 Tel.: +48 61 847 52 64 Fax: +48 61 642 90 31 www.przelewy24.pl Recipient registration In order to simplify registration of payment recipients (suppliers) we have also introduced the interface for automatic creation of accounts in Przelewy24 available through API. The supplier has to register in his system only; the rest of the process is completed by exchange of communications. How much does it cost? This solution is available to any company which will enter into cooperation with Przelewy24. Partner does not incur any additional costs with regard to implementation and operation of the Shopping Arcade service. Which is very important, the supplier is not charged with any costs related to the transactions. More information: Lechosław Lipski Tel.: +48 504 183 589 [email protected] Open your own shop About organisation of an on-shop Selection of the software Placing a shop in the Internet There are many solutions for on-line shops available in the market. Before making decision on the selection of the selling platform it is best to get acquainted with the existing e-shops and their functions. The offer covers charge-free solutions such as osCommerce or Magento, ready made commercial systems, such as SOTE, IAIshop, OGICOM, e-Trade Pro, Home.pl Business Shop, Shoper.pl or Comarch iSklep24. If none of the options mentioned above meets our requirements, we can always order custom made software adjusted to our specific needs. In the latter case it is best to find a shop in the Internet which suits our needs best and contact its manufacturer. After selection of software, one should prepare the space for placing it in the Internet. In case we choose payable solution, we can count on supplier's assistance with the installation, in charge-free solutions we have to go through the installation process by our own. To install the software we need two things: – a place on the server (FTP account), data base (usually MySQL) and a domain. All these elements we can get in a packet buying an account at, e.g. home.pl, Nazwa.pl, Ogicom.pl, az.pl, Megahost.pl etc. After preparing the environment we prepare other elements related to the process of on-line selling. Ours assumption is to prepare the system in such manner that all possible operations are done automatically. Dialcom24 Sp. z o.o. Receiving payments Invoices 60-327 Poznań ul. Kanclerska 15 If our offer is prepared and we are ready to receive orders, it is time to connect the system Przelewy24 which will provide our clients with the access to many on-line payment methods and automatically notify us of any payment received. The advantages of such solution include quick confirmation of payment, wide selection of payment methods on one platform and a reliable partner for the shop which will additionally improve our credibility. The last element our shop has to be equipped with is the system of handling accounting documents. It will be payment receipt confirmation for individuals and VAT invoices for legal entities. Both types of documents may be issued from our shop; it is sufficient to implement the system for handling electronic documents (www.sode.pl). After implementation SODE will take over the following duties: Contact: Trade Office: [email protected] Customer service: [email protected] Tel.: +48 801 00 33 24 Tel.: +48 61 867 92 53 Tel.: +48 61 847 52 64 Fax: +48 61 642 90 31 Delivery of goods www.przelewy24.pl If we have confirmation of payment made by the client, we can go to execution of the order. The next step is sending the goods to the client. For this purpose we can use the service provided by one of the great number of messenger services. To begin with, one can use Poczta Polska, and further on UPS, Siódemka etc. It is worth, if such option is available, to offer the possibility to pick up the goods by the client. issue of a document (in electronic or traditional version) information of the recipient on the document making it possible to download the document from any place with access to the Internet storage of documents issued for the period of time as required by the applicable regulations. What is more, the cost of document handling by SODE is much cheaper than the traditional method. More information: Lechosław Lipski Tel.: +48 504 183 589 [email protected] Secure as in a bank Transactions security Secure transmission Internet transfers The SSL certificate used ensures protection of web sites and confidentiality of data transferred electronically. It allows for encoding any service provided via the Internet. Thanks to this security system there is no possibility to intercept data transferred via a web site. Users of the web site have absolute certainty that they connect safely with the right service. System Przelewy24 uses the SSL security certificate by Thawte Technologies Inc. Thawte's certificates are recognized as reliable by all Internet browsers. Przelewy24 does not store any information concerning access to bank accounts or credit card numbers. The most reliable form of payment for both the seller and the buyer. The entire operation is made on the client's bank web site. Such data as login, password and one time access codes are given on the client's bank website. Payment operation is only limited to logging in on the web site and approving of the transfer. Confirmation is given immediately and is sent to the seller. Debit cards Execution of transactions with the use of cards is done on the web sites of card's processors web sites (e.g. PolCard). All particulars concerning the card (number, expiry date, CVV code) are given on the cards processor's web site only. Przelewy24 does not gather or store information on cards numbers. Dialcom24 Sp. z o.o. Data processing Accounting for receivables 60-327 Poznań ul. Kanclerska 15 Information collected by Przelewy24 is stored and processed in data centre of Polskie Centrum SuperkomputerowoSieciowe (Polish Supercomputing and Networking Centre). The modern resource centre PCSS complies with specific safety requirements within the scope of protected power supply, redundant air conditioning and monitored physical access. The equipment placed there has been supporting functioning of nationwide optical network PIONIER, municipal network POZMAN and an international link with GÉANT network for many years now. Money paid by the clients are sent to your account with Przelewy24. You decide after reaching which amount or in what time intervals you want to have money transferred to your bank account. We make efforts to ensure that outgoing transfers reach your account as soon as possible. 85% of payments is executed on the day of placing the payment order. Contact: Trade Office: [email protected] Customer service: [email protected] Tel.: +48 801 00 33 24 Tel.: +48 61 867 92 53 Tel.: +48 61 847 52 64 Fax: +48 61 642 90 31 www.przelewy24.pl Reliability of transactions Each transaction result sent to a shop is verified back to confirm in 100% that it was sent by Przelewy24. All confirmations sent from Przelewy24 guarantee that the seller will receive the payment. Transactions with the use of debit cards which are exposed to the largest risk are subject to additional verification process which at this time eliminates the risk of fraudulent transactions virtually in 100%. Operations transparency Beside information on payment, your shop will receive the control panel through which one can monitor all current operations executed through Przelewy24. Summaries of transactions/payments may be downloaded automatically through the available APIs. More information: Lechosław Lipski Tel.: +48 504 183 589 [email protected]