IDRAM Internet Payment System - e-government

The business activity of Idram internet payment system isproviding opportunities for both businesses and internet users tomake and receive payments online.We developed the White Label Payment processing platform forinternet payment system, which gives an opportunity to implementa new national internet payment system in any country, e.g.Georgia.We have not only developed the whole payment platform and userinterface design, but also planned its operational managementstructure. The implementation of such a system will make onlineshopping from foreign countries more accessible and convenient.In this document we present our offer to implement “iLari” or“WebLari” internet payment system in Georgia.

What is WhiteLabel PPP?: Product Usage: Payment types: Features: Possible Partnersin Georgia:Browser-based white label payment processing platform.It can be implemented in any country as a local internetpayment system for collecting payments by the localcurrency and making international money transfersvia internet.Utility, mobile, international money transfers, tickets,internet providers, games, betting, loan repayments,taxes, fines, online shopping (flowers, gifts, food etc.).1. User can access the system from mobile phone aswell as from PC.2. No additional application installation is required.Banks, Financial organizations. Who Are The Users?: All current and potential internet users.

The product software isdeveloped according to ISOsecurity standards.Security The connection security is heldby Thawte or VeriSign. The data protection policies aredeveloped based on internationalexperience and standards.

Success Story1. Based on White Label PPP in Armenia: Idram internet payment system.2. Partners: Banks, financial organizations (cash terminals, card processing center, internationalmoney transfer systems, etc), private sector businesses, service providers etc.3. Registered Users: more than 33.000.

4. How it works for users:

5. How to refill accounts: Prepaid cards Cash Terminals Credit Cards Cash payments in Banks Bank Transfers E-currency exchange Money transfer systems6. Provided services: Utility payments Mobile payments Internet providers Loan repayments Taxes, fines (inc. traffic) Games Betting Money transfers Online shopping ofgoods and services

Idram’s functions for implementation of thesystem in Georgia1. Design of a new public interface on theWhite Label PPP, based on the "iLari" or"WebLari" brand2. Providing necessary technical equipmentfor system's functioning3. Implementation of new tools and featuresdeveloped by our company on iLari system4. Technical support of new merchants'connections5. Provide technical support to users6. Provide trainings and financial consultingon system's functioning to Georgianoperating stuff of the system.

Georgian Partner's functions1. All legal regulations withmerchants, partner's of the systemand government.2. Marketing, advertising andPR of the payment system3. Financial turnover controland operations4. Customer care

Financial Cooperation Deposit payment for designingand developing the system interface(will be returned from thecommissions) Fixed percent from each transactionin the system, excludingrefillments.All the financial issues will befinalized during negotiations.

THANK YOU FORATTENTION!