CyberPlat System

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2016-07-12 00:00:00:


In 1997, the CyberPlat electronic payment system appeared on the World Wide Web . This service was created by Russian citizens and was focused on domestic users. Payment is a universal integrated multi -banking system that specializes in enabling citizens and organizations to make payments in a virtual mode.

The company was created on the basis of the online trading department, which was part of the Platinum commercial banking structure. At the end of the summer of 1998, the first electronic payment in the Russian Federation was made through the CyberPlat system , with the help of which it was possible to replenish the balance of a mobile phone. An electronic signature was used during the financial transaction.

Today, the CyberPlat system occupies a leading position in the field of accepting payments. Most users pay for the services of mobile operators through EPS: the company's revenue consists of 10% of payments in favor of MTS and 12% in favor of the Beeline mobile operator. Payment cooperates with more than 40 TV providers, with 355 virtual stores and 38 banks. EPS is available in all regions of Russia: 15 thousand retail outlets are ready to serve customers in any corner of our country.

Every day, about 1 million users conduct various financial transactions through the CyberPlat payment service . The company's profits are growing at an incredible rate. For example, in 2004 the working capital was US$459 million, and in 2005 it rose to US$1 billion. At the same time, the main part of the capital falls precisely on payments for cellular communication services.

Payments can be made to pay for the following services:

  • utilities;
  • Internet and TV providers;
  • virtual stores;
  • telephony and more.

 

CyberPlat payment service

The company's management pays special attention to the comfort of users. In order to expand the capabilities of the system, as well as facilitate and secure the procedure for making electronic payments, the site administration introduces the latest developments and technologies.

  1. Terminals CyberPlat . The operation of payment terminals is based on application software.
  2. A computer. CyberPlat can work in real time. Thanks to this technology, the number of documents provided is reduced, and the costs associated with accepting electronic payments in retail outlets are also optimized.
  3. KKM/1S. This technology is used to pay for electronic tickets.
  4. Applications for mobile computing devices. With the help of these programs, the buyer can pay for the purchase at any time of the day and anywhere. This can be done using a modern mobile phone or tablet.
  5. Cash register software for stores and trading sites. This technology allows you to automate trading. It is used in shops, mobile communication salons, enterprises of social and domestic importance, and so on.

 

Registration of customers-buyers in the electronic payment system CyberPlat

Buyers of CyberPlat are not required to register in the CyberPlat system . Some services are available to unauthorized users. For example CyberPOS . This technology is a service for payment cards that were issued by domestic and foreign banking organizations. To pay for a purchase or service, the buyer does not need to register with the CyberPlat EPS . You can pay by any means, including through CyberPlat terminals .

But to get more opportunities, you still have to go through the registration procedure. To do this, you need to provide personal data (passport details, full name, date of birth). The client receives an e-wallet number and access to a personal account. Next, you should install the “authorization module”, with the help of which the electronic digital signature of the system participant is generated.

 

What does CyberPlat give to registered customers-buyers?

Users who have passed the registration procedure and received the status of "Buyer" can make money transfers to various financial institutions that have the right to operate in Russia. When transferring, money is withdrawn from the electronic wallet opened in the CyberPlat payment system . As a result, a member of the system can not only pay for the purchase, but also withdraw funds to their accounts registered in third-party banks.

Registered customers purchase goods in virtual stores and pay online. Money can be withdrawn from a bank account or credit card. Authorized users can view the history of payment transactions and receive receipts for transactions.

Buyers register on the service for free. But for connecting a virtual trading company, you will have to pay $ 100. But the online organization will become a legitimate client of the payment system. After registration, the owner of the enterprise must install special programs that are easily synchronized with the operation of the trading site.

 

Safety

CyberPlat payment system is a closed electronic service. In this EPS, there is a strict separation of all participants in payments. For example, an employee of an online store will not be able to withdraw money from an electronic account opened in a payment order, since the finances will go to the mobile operator's account and be credited to the subscriber's balance.

Another component of financial security is a digital signature. Its key length is 2048 bits. The intervention of fraudsters in the payment procedure is completely excluded.

 

How electronic payments are accepted

The main activity of the CyberPlat payment system is the acceptance of payment for telephone services in virtual mode. Financial transactions are carried out instantly. When making payments, B2B (4C) technology is used, which combines inter-corporate payments and payments accepted from ordinary citizens in electronic form.

The payment scheme looks like this.

  1. The money is sent by the dealer to the bank, which is a partner of the CyberPlat system .
  2. A person, wanting to pay for the phone, comes to a communication salon and asks the cashier to transfer a certain amount to the balance of the mobile phone. The cashier dials the cell number, enters the amount and presses the "Pay" button.
  3. Further, thanks to special software, a request is sent to the CyberPlat payment server to verify the mobile number (the request must be certified by the subscriber's electronic signature).
  4. EPS sends a request to the settlement bank. This is necessary in order to make sure that the client's account has the amount required for payment. The information comes via secure online protocols and is digitally signed.
  5. After checking the data, the bank sends a CyberPlat message indicating that the buyer's account has (or does not have) the required amount. In case of a positive decision, the request is sent to the mobile operator, whose billing system checks whether the given phone number is on the list and gives CyberPlat the go-ahead to carry out the payment transaction.
  6. CyberPlat sends consent to the payment to the operator's point . The cashier presses the "Payment Confirmation" button. The financial transaction is sent to the system.
  7. The system instructs the bank to debit the amount from the client's account. Confirmation that the funds have been withdrawn from the wallet is sent to the mobile operator, and the phone balance is replenished.

The results of the transaction can be seen by both the seller and the client. At the end of the payment procedure, the cashier prints out a check (it contains such parameters as the number, amount, full name of the cashier, mobile number).

At first glance, it seems that this procedure takes a very long time. In fact, everything happens quite quickly: in order to replenish the balance of a mobile phone through the CyberPlat payment system , the client will spend only a couple of seconds.

 

Earnings in the electronic payment system CyberPlat

CyberPlat service offers companies and private entrepreneurs to conclude a cooperation agreement. This is a mutually beneficial agreement: the payment system receives a new payment acceptance point, and the enterprise (or PE) receives a stable income.

To participate in the affiliate program, you must have your own trading platform (office or even a regular tent), Internet access, cash register and connection to the EPS. The task is to accept payments in favor of mobile telephony operators, Internet providers and others through the CyberPlat electronic service . For each financial transaction, partners receive 3%.