any =MI Proposal to MAHESH BANK: Bharat Bill Payment System Services 18° June 2018 Your On-line Collection Agent. On time. o> = “~ -INTRODUCTION:. OUR EXPERIENCE & EXPERTISE IN PAYMENT GATEWAY INTEGRATION: PAY@H INLINE PAYMENT GA‘ A CONVENIENT PAYMENT/ COLLECTION OPTION. OBJECTIVE OF OUR PAY@HOME & PAYMENT GATEWAY SOFTWARE SERVICES: BUSINESS FLOW DESCRIPTION: PI T KEY FEAT! KEY BENEFITS OF THE PROPOSAL: PROJECT DETAILS: COMMERCIALS: ASSUMPTIONS: Co eeeIntroduction: ANYEMI ONLINE SERVICES PVT LTD (hiips://yww.snyer.com) (hereinafter referred as ANYEMI), an organization incorporated under the Indian Companies Act, with its Corporate Office at #11-3-10/1, Plott 17, Gangapur Layout, Siripuram, Visakhapatnam — 530003, is in the business of development, supply and operation of products and services relating to online financial services. ANYEMI is an IT Services Company promoted jointly by @ respectable business group of the region, and technocrats with proven track record and combined experience of over 50 years in the business of information technology, software and business application development, deployment and maintenance. Currently, we are operating an online Payment Aggregator for hassle-free Collections & Payments of Taxes, Utility Bills, EMI Payments. ANYEMI, as a Payment aggregator, provides a secure alternate channel to Goverment, Financial, Lending Organizations for collection of Payments on-line and offline. ANYEMI enables Consumer Utility Bills to pay offdine through debiticredit card or Wallet (Paytm or Airtel or BHIM) or Aadhar Pay or in cash through our handheld devices. ANYEMI has buil-in features to helps its Clients and their customers including consumers to view, manage, and make secure payments — anytime, anyway, anywhere. Thus, ANYEMI provides twin advantages of saving the time and efforts. + The Eastern Power Distribution Company of Andhra Pradesh Limited (APEPDCL) is using our anyEMI Software Services (Pay@Home) to collect Electricity Bills in Digital Payments mode from consumers at their doorstep. + We are serving Greater Visakhapatnam Municipal Corporation (GVMC) & CDMA - Andhra Pradesh citizens through our anyEMI Software Services (Pay@Home) to collect Property Tax, Water Tax, or Vacant Land Taxes or Shop Lease Tax and/or D&O Trade Tax in Digital Payments mode at citizen's doorstep. + ANYEMI was invited as one of the Innovation Companies by Government of Andhra Pradesh for our successful pilot project implementation for Rythu Bazars (Kisan Mandi). We implemented the pilot project for Digital mode of Payments to Citizens/Public at Rythu Bazars (Kisan Mandi) during demonetization time, when there was no physical money in the market. This project was widely applauded by Public, Media & Government Officials. 4 One of the leading financiers in Visakhapatnam, with a turnover of over Rs.120 crores, is in the process of signing agreement to use ANYEMI Software Services along with Payment Gateway services to enable their Customers to pay their EMI payments online. 4 The Anakapalle Rural Electric Co-operative Society, Kasimkota (ARECS) is using our anyEMI Software Services (Pay@Home) to collect Utility Bills. Pay EMI | Anywhere | Anytimeur Experience & Expertise in Payment Gateway Integration: + In the year 2013, we worked with Greater Visakhapatnam Municipal Corporation (GvMc) to (https://< v.in/gvmclindex.php/online-services}facilitate its citizens pay their taxes online. GVMC collections were quadrupled i.e. jumped over 400% through IDBI Bank as their Payment Gateway. + Developed eCommerce website (https://minte.in/index.php/).Their revenue is more than Rs.2 Crores through EBS Payment Gateway. + Our Pay@Home Services (PHS) to APEPDCL, ARECS & GVMC, Pay@Home Services (PHS) & Payment Gateway Services to CDMA - Andhra Pradesh. Pay@Home & Online Payment Gateway: A Convenient Payment/ Collection Option: ANYEMI proposes A.P, Mahesh Co-operative Urban Bank Limited known as MAHESH BANK, a PAN India Institution, serving diverse sectors of the society, to provide convenient payment methods to its BBPS Consumers through our Online Payment Gateway & Pay@Home Services at the convenience of their homes. To enable this process, personnel/executives of anyEMI can collect using our ital Payments modes: mPOS [Point-of-Sales] machines, Aadhar Pay, Wallets (e.g.: PayTM, Airtel, BHIM), Bharat QR. Consumers shall be given a printed receipt upon successful payment. Consumers can use Credit/Debit Cards, their Wallets (e.9.: Paytm), MyRupay and Bank Transactions using MID and *89# to make the payments. Since the launch of BHIM (Bharat Interface for Money) the Mobile App, we integrated anyEMI Software Services to support the same to make an easy method of EMIs / Utility Bills / Tax payments, The consumers can also pay their billsftaxes by way of Cash and get notified on their registered mobile phone number by Simple Messaging Service (SMS) and/or a printed receipt for their bil payments is handed over at the point of delivery, In addition, we propose to provide MAHESH BANK and their Consumers a convenient way of Payment option, where they can collect/pay their Consumer bills/Utility bills online through our Payment Gateway/Online Transactions. For administrative and accounting purposes reporting features of our application allows officials to view real time transactions. Collection Reports are provided online and by email daily, weekly or monthly as per the requirements of MAHESH BANK. Pay EMI | Anywhere | Anytime cObjective of our Pay@Home & Payment Gateway Software Services: + We have agreed to participate as Agent institution in the Bharat Bill Payment System (BBPS) under Bharat Bill Payment Central Unit (BBPCU) under National Payments Corporation of india (NPCi). + Bharat Bill Payment Operating Unit (BBPOU) in compliance with BBPS Procedural Guidelines and Standards for all transactions that the aforesaid BEPOU can handle through us + We undertake to comply with the BBPS Procedural Guidelines, Standards and extant instructions applicable to Agent Institutions. We agree that NPC! will notify both the aforesaid BBPOUs of the revised proposed arrangement, + All complaints relating to transactions initiated by the customers at our outlets under the existing as well as the proposed agency arrangements would be attended to expeditiously by Us and all possible help will be provided to the BBPOUs in this regard, Business Flow Description: “Swipe Card or Use BHIM or Use PayTM or use Aadhar Pay or pay by Cash, Get SMS and/or Print Receipt & enjoy service at Citizen's Doorstep" Gilpsiwww.enveri.com, our online Web / Mobile application is a payment aggregator for collection of any kind of payments. ANYEMI facilitates online platform between Clients and Consumers. It provides value added features for BBPS Consumers such as SMS notification of receipt of payment and/or printed receipt through any kind of digital payments or cash Payments by swiping their debit / credit card or Aadhar Pay or other modes of digital pay or any mobile wallet for their EMIs/Utilty Bills/Tax Payments. . Pay EMI | Anywhere | AnytimeProject Key Feature: 4 Dashboards, Daily & Monthly Collections and MIS reports to Accounts Officers of MAHESH BANK, 4 Facilitates all MAHESH BANK Consumers to use their Credit/Debit Cards and/or other Digital or by Cash options for their Utility Bill Payments 4 Facilitates MAHESH BANK to get Online transfer of Daily Collections to their respective Bank Accounts 4 SMS facility to Consumers & MAHESH BANK Officials informing about the ‘Transactions in regional language 4 To provide Employment &Training to youth in Rural Urban areas 4 Enabling Digital India Mission through Handheld POS, Aadhar Pay, Wallet and Other Digital means of payments. 4 Encourages Cashiess Transactions by Smart Payments Key Benefits of the Proposal: Our Proposal provides the following benefits: + MAHESH BANK Officials/Clients: + Revenue improvements of all collections in a timely manner % Increase in Digital transactions reduces manual work i.e. avoids handling cash “Creation of employment to rural & urban youth and safeguards MAHESH BANK revenue collections. + Ease of Operation of payments and enables reconciliation process + Day-wise sales record “Can focus on revenue collections and need not worry about digital transaction at point of sale ‘ Communication of transactions by way of SMS. + Consumers: ‘Ease of Payments Off-Line & On-Line * Cashless Transactions “Transaction record maintenance + Service at their Door step Cee ed+ Government: Convenience to Consumers & MAHESH BANK Officials/Clients: Cashless Transaction Services collects Consumers’ Bills at their convenience. Revenue coliections transfer to Clients Bank Accounts through online transfer. + Skill India Mission: If required, to support the MAHESH BANK Officials, ANYEMI proposes to contribute towards Skill India Mission by providing basic training in Information Technology to young human resources in rural &urban areas. + Digital India Mission: ANYEMI proposes to contribute towards Digital India Mission by extensive use of Digital mode of Payments to collect Utlity bill Payments. ‘ Smart Payments: Cashless Transaction Services of ANYEMI encourages present demonetization. + Can achieve the objective of “less cash” market in QuickTime, + Can sustain Collections Volumes 4 Transparency of transactions. + MIS of DailyWeekly!Monthly Collections. Project Details: a) Technical Details Web Server “ApacheZ Reverse Proxy Tain Database Server | MySQL P 139.59.11.245 FIP Server Vsftp 0S Ubutut4.04 Wail Server Exim [imap/pop | Doecot ————~—~SCS~«& 3S 256 Bit Encryption b) Application Details [_ Webtechnologies PHP, HTML, CSS, JS Ce eaLibraries & Bootstraps,SymanticUl, Frameworks Joomla, JQuery Database Server | mySQL ‘Mail Server ‘MailGun Third-party ‘Onesinal, tawk Libraries Google Libraries | Analytics,Cabtcha, gpluslogin, short URLS SS Server Yes (our own server) Hele cies Android & 105 2) Security Features * Administrators - The person(s) appointed as Administrator(s) is/are responsible for setting up Authorized Users and has full responsibility for the level of access provided to Authorized Users only. + 128-bit encryption - one of the most complex and sophisticated forms of encryption is available and enforced for all transactions. Commercial On behalf of MAHESH BANK Clients (Electricity, Telecom, DTH, Gas, Municipal Taxes etc.,) anyEMI Online Services Pvt Ltd., will do collections online and offline with anyEMI's Pay@Home, PayPoint Services. anyEM|'s Executives will also be doing door-to-door services to do the Collections using our Mobile Application. We propose to Share the Bharat Bill Payment System Interchange Fee and Customer Convenience Fee in the following way: © 70% of Bharat Bill Payment System Interchange Fee to anyEMI & 30% of Bharat Bill Payment System Interchange Fee to MAHESH BANK. * 100% Customer Convenience Fee (CCF) to anyEMI. Cera eed BardAssumptions: + Itis assumed that the manpower for collection of Uilty Bils‘Telecom/ DTH/ Gas! Taxes would be taken care by anyEMI, + It is assumed that the cost of the hardware viz computer systems, Bluetooth prinlers and the networking systems would be bome by anyEMI. ‘+ Assumptions: Assumptions are factors that believe to be true, although these factors ere not ‘confirmed to be true. Assumptions add risk to a project since itis possible that they will tum out to be false. + Business constraints: Business constraints limit the solution based upon the current organizational state. They usually focus on the available time, money and resources for a Project. Common business constraints include budget and lime restrictions, resource limitations, and resource skit imitations. * Technical constraints: Technical constraints offen focus on architecture decisions that limit the solution design. They tend to be inflexible and unchanging and can have an impact on the project implementation. They include areas such as development languages, hardware, other Infrastructure, and software that must be used for the proj ‘+The project stakeholders and the project team may be involved with identifying and defining the assumptions and constraints for the project. The project team uses these assumptions and constraints to identify potential risks that may impact project implementation and delivery or have @ negative impact on end-user expectations of the resulting solution. Thanking you, Best Regards, pte wien Chief Executive Officer AnyEMI Online Services Pvt Ltd Phone: +91 9912 208 840 Email: sudhakar@anyemi.com Website: https://www.anyemi.com Pay EMI | Anywhere | Anytime