Transcript Слайд 1 - NCC-UC

United payment
card system
NCC | Union Card
2007
Contents
1. ABOUT THE COMPANY. UNITED CARD PAYMENT SYSTEM NCC | UC
2-3
2. MISSION
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3. NCC Payment System
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3.1. About the Company
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3.2. History
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3.3. Geography
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3.4. Participating Banks
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3.5. Infrastructure
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3.6. Payment System Key Indicators
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3.7. Company Products and Services
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3.8. Security
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3.9. Certificates and Licenses
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4. Union Card Payment System
4.1. About the Company
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4.2. History
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4.3. Geography
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4.4. Participating Banks
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4.5. Infrastructure
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4.6. Payment System Key Indicators
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4.7. Company Products and Services
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5. PROSPECTS OF UNITED PAYMENT CARD SYSTEM DEVELOPMENT
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1. About the Company
THE UNITED PAYMENT CARD SYSTEM NCC | UC is a Russian payment system that started
up as a result of 100% shareholding acquisition of CJSC UNION CARD Processing Company
(UNION CARD Payment System, Moscow) by CJSC National Credit Cards (NCC Payment
System, Togliatti) in 2005.
The united payment card system NCC | UC offers its clients a technology allowing to conduct the complete cycle of financial
arrangements, from salary drawing to non-cash payment for goods and services, using bank cards.
The areas of company’s activity are:
- processing services outsourcing
- Union Card and NCC payment systems
- a wide range of services to provide non-cash payments
- personalization and processing of Visa cards
- consulting services in the field of payment card systems
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1. About the Company
Taking into account the company’s successful experience and the wide history in payment
systems field, this strategic move furthered strengthening both systems’ market position and
laid the foundation for creating a modern payment card system with a wide range of services.
One of the key corollaries of this amalgamation was the creation of an integrated technologybased processing center to service all the existing payment systems’ participants in one place
and designing an associated plastic card to operate in both systems.
Today the consolidated characteristics of the united payment card system
NCC | UC allow qualifying the company as one of the largest Russian
payment systems, whose strategy is intended for developing a
multifunctional card product as well as providing processing services.
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2. NCC | UC Mission
With the payment systems dynamically developing on the territory
of Russian Federation, NCC | UC aims its mission at creating an
All-Russian payment card system that will focus on the Russian
standards of general market financial services.
The operation policy of NCC | UC payment card system is oriented towards long-term and mutually
beneficial partnership. Pursuing individual approach to dealing with partners and offering flexible
price conditions, cutting-edge technologies and regular diversification of services provided,
NCC | UC introduces a finished bank card product for Russian market.
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NCC | UC Company Structure
3. Payment System
3.1. About the Company
CJSC National Credit Cards
CJSC National Credit Cards has been operating on financial services
market since 1994.
The range of company’s activities include:
- Providing processing services to the banks
- Developing NCC payment system and NCC plastic card services
- Personalization and processing of international Visa plastic cards
- Consulting services: consultations, training and support
The specialists of the company have many-years practical experience in the area of finance and
designing of payment systems.The technological package of the payment system was worked out
by NCC’s specialists.
The NCC company’s headquarters are located in Togliatti.
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3.2. History
August, 1994
CJSC National Credit Cards was established.
JSC AVTOVAZ issued the first NCC plastic card. Implementation of salary project for JSC
July 12, 1995
AVTOVAZ employees using plastic cards served as a catalyst for growth.
The company’s management adopted a strategy of payment system expansion to the regions of
2001
Russian Federation combined with diversification and quality improvement of non-cash payment
services.
The company was officially given the status of a Third Party Personalizer within Visa
December 2, 2004
International system and the right to carry out personalization and processing of the cards issued
by the members of Visa payment system.
2005
CJSC National Credit Cards (Togliatti) acquired 100% shareholding of CJSC UNION CARD
Processing Company (Moscow).
2006
Credit card section is being actively developed.
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3.3. Geography
Samara Region
Togliatti, Samara, Syzran, Zhigulevsk, Chapayevsk, Novokuybyshevsk,
Oktyabrsk
Ulianovsk Region
Ulianovsk, Dimitrovgrad
Orenburg Region
Orenburg
Republic of Chuvashia
Cheboksary, Novocheboksarsk
Yamal-Nenets Area
Tarko-Sale
Krasnodar Territory
Yeysk
Moscow Region
Moscow
Currently the company actively works on launching NCC system
in Saratov, Penza and Kaluga regions.
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3.4. Participating Banks
Today 25 banks and their branches in 14 cities of Russian
Federation are members of NCC payment system.
Among the partner-banks are:
AVTOVAZBANK
EVROFINANCE MOSNARBANK
FIA-BANK
GAZBANK
POTENTIAL BANK
AVTOMOBILNYI BANKIRSKIY DOM
TOGLIATTIHIMBANK
NTB
URSA-BANK
PERVYI OBYEDINENNYI BANK etc.
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3.5. Infrastructure
data for the 1st quarter of 2007
Over 1900
About 90%
large- and medium-scale enterprises in the regions of Russian Federation
are NCC salary project participants
plastic card operations take place via NCC cards in Togliatti
709
ATMs and 80 bank cash departments service cardholders
400
retail merchants, commercial and service network enterprises accept NCC
cards; among them are Sportmaster, OKEY, Tekhnosila, Eldorado, L’Etoile,
Ile De Beaute, Tinkoff, Hertz, Smotri, etc.
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3.6. Indicators
data for the 1st quarter of 2007
Over 1 mil.
8 bil.
30-40%
plastic cards issued
roubles of payment system average turnover per month
payment system infrastructure enlargement per year
15%
payment system average money turnover surplus per month
8000
roubles of average monthly amount of operations per card
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3.7. Products and Services
The company provides the following products and services to the NCC processing
center clients:
debit cards – widely used for salary payment (magnetic stripe card technology)
credit cards (magnetic stripe card technology)
A complex of services available via NCC card:
1. Cash withdrawals.
10. Internet banking.
2. Credit payments to card account.
11. Opportunity to use extra international Visa card on one card
3. Credit repayment.
account.
4. Utility payments.
12. Mobile control of card account status via SMS and e-mail.
5. All mobile network operators’ service payment.
13. Overdraft on a debit card.
6. Other services payment (Internet, TV, etc.)
14. 24 x 7 customer support in Russian and English languages.
7. Tax payments.
15. Services payment through a web-site.
8. Account-to-account transfer.
9. Card deposit transactions.
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3.8. Security
Information security within the payment system is provided by a number of
measures designed for its maximum protection and privacy.
CJSC National Credit Cards has a wide experience of development, implementation and
securing systems of information encoding.
This kind of activity meets all the requirements of RF legislation and is carried out according
to the license for conducting technical servicing of encoding facilities and the license for
providing services in the field of encoding.
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3.9. Certificates and Licenses
The Third Party Personalizer Certificate of Visa International payment system enabling to
personalize and process Visa cards.
Certified partner of Wincor company granting the right to act as a supplier of WINCOR NIXDORF
banking equipment.
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3.9. Certificates and Licenses
Certificate of trademark registration N139080 of 02.28.1996 by Rospatent.
Certificate of computer program official registration N2003612348 NCCSHOP of 10.14.2003.
Certificate of computer program official registration N2003612347 NCCCARD of 10.14.2003.
Certificate of computer program official registration N2003612346 NCCCASH of 10.14.2003.
Certificate of computer program official registration N2003612345 PCCASH of 10.14.2003.
Certificate of computer program official registration N2003612344 PCSHOP of 10.14.2003.
LICENSE #LF/07-3383 of November 22, 2002 given by FAGCI for technical servicing of encoding facilities.
LICENSE #LF/07-3384 of November 22, 2002 given by FAGCI for providing information encoding services.
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4. Payment System
4.1. About the Company
CJSC UNION CARD Processing Company
Union Card company, founded in 1993, is a Russian interbank payment
system with more than 300 members - financial institutions.
Union Card is one of the first Russian card payment systems to provide the complete range of
financial services – from technology to processing and interbank clearing and settlement within
Union Card network which covers all the regions of Russia as well as the Ukraine, Belarus and
Kyrgyzstan.
Company’s headquarters are located in Togliatti and Moscow.
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4.2. History
April, 1993
1998
1999
CJSC UNION CARD Processing Company was established. A group of private individuals
and trading banks acted as its founders.
The processing infrastructure was created. Communications modules allowing banks to
connect to the Union Card network and exchange information were installed. A unified
payment system for participating banks meeting RF Central Bank requirements was
introduced in the fall.
Development of the acquiring network was being carried out intensively. The number of
participants equaled 457 banks and branches, and the amount of cards reached 2.7 million.
A universal nation-wide processing network was created. Any bank could connect to the
nearest Union Card center or issue cards, including international ones.
2002
Union Cards and STB consolidate their networks of plastic card payments in the context of
promoting new technologies on the Russian market and strengthening their market positions.
2005
CJSC National Credit Cards (Togliatti) acquired 100% shareholding of CJSC UNION CARD
Processing Company (Moscow).
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4.3. Geography
The geography of Union Card operation embraces all
Russian Federation regions as well as the Ukraine,
Belarus and Kyrgyzstan.
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4.4. Participating Banks
The Union Card system includes more than 300 participating banks within
the whole geography of company operation.
The issuing policy is based on the potential of medium and small banks, but large Russian
banks such as Alfa Bank, Bank of Moscow, Gazprombank, Evrofinance Mosnarbank,
Mezhprombank, Svyaz-Bank, Transkreditbank, Ursa Bank, and many others remain
the most valuable payment system participants.
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4.5. Infrastructure
data for the 1st quarter of 2007
About 300
participating banks in RF regions and CIS countries are the members of
UC payments system.
10 800
ATMs and terminals service UC card holders.
27 000
commercial and service enterprises accept UC cards.
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4.6. Indicators
data for the 1st quarter of 2007
Over 6 mil.
108 bil.
15%
10 bil.
consolidated UC plastic cards issue.
roubles of system turnover during 2006.
increase in system turnover as against 2005.
roubles of average monthly money turnover within the payment system
without consideration of inter-bank transactions.
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4.7. Products and Services
The main activity of the company is providing interbank processing services .
The distinctive feature of interbank processing is that the clearing is carried out only among
the payment system participating banks. This allows speaking of the local product as an optimal
solution for salary projects.
Besides, Union Card develops own namesake plastic product with a wide range of facilities
for cash and non-cash payments.
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5. Prospects of Development
of the United Card Payment System NCC | UC
The certification of CJSC National Credit Cards by MasterCard international payment
system (in the future by AMEX and Diners Club) is supposed to become one of the stages
of company development in 2007. These measures will allow attracting new partners and
clients of the system.
In current situation of intense competition Russian banks prioritize issuing a functional and
inexpensive card product. Being time-proved, finished and universal as well as offering loyal
conditions and a wide multi-service network for social and business sphere, this product
becomes even more attractive.
Our company is open for cooperation and partnership relations
22 a Novopromyshlennaya str.
Togliatti, 445009, Russia
phone +7 (8482) 407-163
fax
+7 (8482) 407-208
e-mail: [email protected]
10 1-iy Koptelskiy pereulok
Moscow, 129090, Russia
phone +7 (495) 975-51-24
www.ncc.volga.ru