Alipay ＋ Product Overview

10/2016

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 Alipay+ Local Platform Overview

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 Alipay+ Local Platform Overview

Alipay+ Local
SAAS
Personal Merchant
Wallet BUSINESS Portal SUPPORTING

Acquiring & Wealth Loa Risk & Security

Fund
Settlement Mgmt n

Payment Clearing BOSS

Alipay+
GN
CIF
FI Network Data Service

PAAS / MPAAS DAAS To be

disclosed

IAAS …….

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 Alipay+ Local Platform Overview
Open API Merchant Portal Wallet APP Risk
Risk
AML
Identification
Acquiring & Settlement Funds Mgmt. Risk Model &
Risk operation
Direct Escrow Offline Top up Withdraw P2P Rules& Engine
settlement
Acquiring Acquiring Acquiring
BOSS
Product Contract
Payment Member Services Mgmt Mgmt.
SDK payment
Merchant
Billing & Communicati
User service SNS Charging
API Payment Web Cashier Barcode payment service on

Intelligence payment Back office

Payment tools Promotion
router
Cash configurat User Mgmt. RiskMgmt.
Payment process Cash back
coupon ion
Customer
Trial Mgmt.
Funds Mgmt.
Financial Instruments Network. Customer Funs Mgmt. Quota Dispute
Financial command Channel Router Monitoring & Funds Check Funds Mgmt. control Mgmt.
translator & GW Smart Strategy Accounting Operation Data product
Consumption Merchant
CIF Operator Mgmt Oauth Records Billing
User Mgmt. KYC/KYB Merchant Mgmt. Accounting Business
Assets Mgmt Membership Level
Report Report
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 Alipay+ Local basic payment flow - example
Buyer
Intelligence Financial
B2C Website Acquiring Web Cashier Payment engine Bank/APM
payment router Network
Place order
Order request
payment request

Payment method
filter
Select payment method and confirm
Payment decision
Payment dealing
Payment command
Payment request

Payment response
Payment result
Payment result dealing
Update order
Notify merchant
Payment result

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 Alipay+ Local Platform – user

User Product Service

User Lifecycle Service User Identity Verification Service
Remove
Signup Block/Unblock
User Login/Logout Send/verify OTP

User Information Management Multifarious Verification Password

Asset Mode Mgmt.
User Profile Social Account
Info
Security Beneficiary
Attribute User View Query
Question List KYC Center
Product
Protocol Index
Card Center Permission Center definitions
Permission Accounting
Cache Card KYC Application
Management Query

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 User case

Phone number/email/nick name

Sign up
User profile
KYC
Password
Apply remove User Security question
Remove user Remove user
management Block/unblock

Login/out
Purchase Bank account
Recharge Third part payment account
Money transfer User
Asset Mgmt. Coupon
Withdraw activities

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 Alipay+ Local Platform – merchant

Merchant Product
Merchant Operator
Merchant Operator Operator Profile Permission Mgmt Operator
Merchant Profile Merchant Privilege
Register Register Mgmt
Asset Config Mgmt
Query Profile Add Permission
Onboardin acquiring config Create operator Query Operator
Create Balance
g Account management By Relation User Info
Modify Profile Add Role Operator
Update Balance emi config Delete Operator By Update Operator
Permission Mgmt
Account management Relation User Info
KYB Query Profile List Delete Permission
Query Balance
Certify Merchant Account
Reset Operator
Merchant Delete Role permission
Query KYB Status freeze Balance Log
Account Merchant Insert Log
Login & Logout Operator Status
Record Modify Role
Relationship Mgmt
Status Unfreeze Balance
Account Query Log Operator with User Query Operator
Active Merchant Create Record Login Query permission Permissions
Freeze Operator
Status Query Record of Relationship
Freeze
Freeze Merchant Query permission list
Delete Operator Logout Unfreeze Operator
Status Relationship
Bank Account &
Card Mgmt Query Role list
Unfreeze
Merchant Status

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 Merchant case
Phone number/email/nick name
Profile
Merchant
onboarding

Un-sign product contract and KYB doc management

Un-sign
stop permissions KYB KYB status
contract

Sign some product to this merchant

Agreed and configure product
Integrated Acquiring API
attributes to this merchant
Place order
Apply refund Merchant (payment methods/fee rule/settlement
Merchant sign
cycle/refund rules etc.)
Settlement Activities contract
Fee charge
Transaction and fund
reconciliation Merchant
Merchant portal management Merchant profile management
Asset management
Operator and permission management
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 Alipay+ Local Platform – fund management

User product Merchant product Agent scenarios

Top up Withdraw Transfer

Merchant top Agent Top-up

User up
User Send For User
withdr
top up money
aw
Merchant
Request withdraw Agent Top-up
Auto money For Merchant
top up

F2F Inner transfer

transfer

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 Alipay+ Local Platform – Acquiring & payment

Open API
API
Cashier Service
Seamless Payment
Business Direct Pay Escrow Auth/Capture
Product QR Acquiring
Payment
Core Direct Pay Pay/Confirm 多次确认
Product Product & Contract

Acquiring Services
Create Transaction Payment Refund Settlement Risk Control
Transaction Mgmt One
Cashier Partial Real-
Full Refund T+N
Payment Refund time
Create Modify
Refund to To
QR One payment
Defined To Bank
Pre- Hold Payment Refund Balance BI
Capture source
Create Unhold Account
Default O2O Settlement
Agreement Multi
Pay Capture Refund
CreateAnd Void
Account
Pay
Close API Refund commission Merchant/User
Dispute Service

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 Acquiring & payment case
Merchant site Cashier page Pay success

1. Merchant sign and integrate 1. Alipay plus cashier service

various acquiring products and 2. Payment routing logic(bank channels)
place order/refund 3. User preference/save cards
4. Promotion(coupon/cashback)
5. Payment methods:
Balance/CC/DC/NB/Third party
Express etc.
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 Acquiring case – direct pay
1.pay 2.settlement
Pay flow

settlement
pay
Fund flow User bank account
Merchant wallet

User wallet
Merchant bank account
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 Acquiring case – Escrow payment

1.pay 2.Accept order

Pay flow
3.Confirm payment 4.settlement

1.pay 4.settlement
3.Confirm payment
Fund flow User bank account
Es crow tra nsition Mercha nt paya ble
a ccount a ccount
Merchant wallet

User wallet
Merchant bank account
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 Acquiring case – Auth capture
1.Payment authorization
2.capture
Pay flow /Auth

3.settlement

1.Payment authorization 3.settlement

/Auth 2.capture
Fund flow User bank account
Al i pay tra nsition Mercha nt paya ble
a ccount a ccount
Merchant wallet

User wallet
Merchant bank account
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 Alipay+ Local Platform – promotion
Promotion use case
Configure activities and
define some rule to send
cashback/coupon to user
Trigger cashback/coupon User get the coupon and
sending after register or use it to purchase
payment success something

Promotion platform

Basic Config Template Management Send User Asset

Target Users Prize Rule Reverse History

Query

Prize Task Center Report

Budget Application
Probability

Activity Base Query

Promotion Tools
Cashback Cash Coupon coupon discount

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 Alipay+ Local Platform – Billing & Charging Service
Fee Charge use case:
1. Configure fee rule in 3. Deduct fee from
each product/merchant 2. User pay success 4. Generate fee report
user/merchant
contract

Bi l ling & Cha rging Servi ce Profi t Sharing Servi ce

Pre- Pre-
Ca l culate Cha rge Refund Report Settl ement Report
Ca l culate Ca l culate

Ca pa bility Ca pa bility

Ca l culate Base Ca l culate Method Ca l culate Basic

By Amount By Tra nsaction Fi x Ra te Ti er Ra te Fi x Fee By Amount By Tra nsaction

Deduct Policy Settl ement Ca l culate Method

Deduct From Pre Pos t
Inner Deduct Rea l-time Fi x Ra te Ti er Ra te Fi x Fee
defi ned a ccount Cha rge Cha rge

Cha rge By Us er tags Ta x Ra te Settl ement

Onl i ne
KYC Level Us er a ttributes Fi x Ra te By MCC DAAS
Settl ement

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 Alipay+ Local Platform – communication

Business functions

Update Update
Sign up
SMS password password

user P2P Pay failed …

EMAIL

PUSH
merchant
Communi
Template
cation Subscripti
IVR managem
rules on define
ent
control

Operator

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 Alipay+ Local Platform – flux net service

Service to internal business module

Payment Clearing and communicati
monitoring
Exception settlement on
Process
Module
Financial Strategy management
(resend/n Dynamic
Engine of Dispatch of Calculation Engine
otification Route Strategy Combination Remaking of Service
/report Exchange process Decision Capability
etc.)

Batch Process Center File Factory

Communication Layer of Gateway

OPEN GW Super Gateway Certificate System File Gateway

Contracted Banking Financial Third party Clearing institutions of Others

merchants institutions payment platforms bank card

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 Alipay+ Local Platform – clearing and accounting
Customer Fund Mgmt Portal
Accounting Management
CIF Product Mgmt Payment
Cus tomer Account Ma nagement
Internal Account Ma nagement
Cus tomer Account Reconciliation Management
Account
Open/Query
Freeze/Unfreeze Voucher Ma nagement
Reconciliation
Cus tomer Account Bookkeeping /
Externa l Transaction
Opera te Flux Net
(Top-up / Wi thdrawal / Tra nsfer) Abnormal Tra nsaction
Opera te

Customer Account Service Module Clearing Module Internal Account

Service Module
Account Opening Account Hi story External Transaction Settl ement Report From Bank
Account Opening
Clearing /Other Pa yment Provi ders
Account Cl osing Account Inquiry Account Inquiry
Account Cl ea ring Carry-out Ba nk Account Statement
Account Freezing Proces s
Bookkeeping Account Bookkeeping

Accounting Report Accounting Module Voucher Module Reconciliation Module

Ba l ance Sheet Accounting Title Mgmt Voucher Entry External Tra nsaction Recon.
Rp. of Tra il Balance Accounti ng Analysis Code Mgmt Voucher Inquiry Ba nk Statement Recon.
Rp. of Balance Recon. Tra i l Balance Process External Transaction Inquiry
Pendi ng Voucher
… Ba l ance Recon. Process Proces s Recon. History Inquiry

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 Alipay+ Local Platform – clearing and accounting

Main responsibility

 To manage all the customer and inner account.

 Open/close/(un)freeze/query
 To do bookkeeping according and generate reports
to the standard of the government
 Processing and adjustment abnormal transactions and accounting
 To do business and fund reconciliation with financial institutions
 To make sure all the TXN is matched
 To make sure all the money in bank is correct

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 Alipay+ Local Platform – Risk

Mitigated Risks
Account take over

Credit Card Fraud

Promotion Abuse

Robust A+ risk core is capable for enduring high

volume transactions and fast expanding
business lines at stable risk performance, high
Risk Risk Operation acceptance rate with minimum resources cost
Risk Result
Integration Detection Portal

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 Alipay+ Local Platform – Laundering product
Product Framework

Customer Due Diligence Watch List Filter Suspicious Activity

Operation Platform
Monitoring
Customer Profiling Rule / Model Case Mgmt.
Screening Engine
Engine
Risk Rating Rules Algorithm Rule Model Investigation
System
Enhanced Due Diligence
Watch List Management
Configuration
Monitoring
High Risk Account OFAC UN Center
System
Mgtm
PEPS Others
Report Filing Ops Dashboard
System

Service Package
AML Compliance Consulting AML Product Tech Support AML Operation Training

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 Alipay+ Local Platform – Dispute

Dispute Order
Apply Finish Operation Log Batch Query Query Detail

Dispute Process
Transaction Operation Fund Operation
UnHold
Hold Transaction Us er
Transaction Fund freeze ba lance
MPA
Undertake by Merchant
Record
Amount Us er
Rei mburse di s pute Fund Unfreeze MPA
check ba lance
a mount

Undertake by Alipay+ site Record Transfer To Di s pute Wallet

Amount Reve
Rei mburse di s pute rs a l
check From Di spute Wallet
a mount

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 Alipay+ Local Platform – Back office

Basic functions Business operator management

Operator
Work ticket Audit trail System mgmt User mgmt
management

Role Menu
Funds mgmt Risk mgmt
management management

Permission Bank channel

management …
mgmt

Unified Login and Working table

Operator

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 Alipay+ Local Platform – Back office

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 By local site scope
Domain Type Description
Confi guration Fl uxnet Ca rd, Netbanking, Wi thdraw, Online Transfer
BOSS Product & Contra cts
Acqui ring Acqui ring Configurations
a nd change code
Fund
Ca s hier Configurations
Us er Us er Configurations
Pa s sword cri teria
Us er dormant time period etc
oAuth Configurations Cl i entId ， a ccess token format/length
Mercha nt Fund Configurations MCC CODE
Li mi t Configuration Wa l let limit, transaction l imit change
Promotion Configurations
Di s pute Resolution Configuration
Sys tem Configuration
UI Development Mobi l e
Porta l s
Ba ckoffice
Mercha nt portal Onboa rding/Txn history/Txn Ma nagement/Reconciliation file etc.
Da ta Service Generate Payout
Generate Reports
Reconciliation File for Offline TopUp Channel
Da ta export for Finance Team
l oca l customization KYC/KYB Proces s
l oca l financial i nstitutions i ntegration
l oca l Communication institutions SMS/Ema il/IVR
Group business Group business i ntegration
Da ta Migration Mercha nt Mi gration
Mercha nt Contract Mi gration
Us er Mi gration
Wa l let Mi gration
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Integration service
Integration Engagement Approach Alipay Integration ONE Team Structure

 One-Team Integration structure： Alipay integration

experts Co-design and Co-Develop on partner System, to
ensure best Alipay+ technology adoption in partner project PM
Product Solution
 Full lifecycle integration- Integration practice involved in （Product Manager）
each phase of project implementation lifecycle.
Technical Solution
（Technical Solution Leader）
 Comprehensive integration quality assurance – Integration Al i pay Pa rtner
Test for the three phases: SIT, UAT & Pilot to ensure Tea m Tea m
deployment quality.

Requirement Design Development SIT UAT 总结汇报

PilotDeploy

• Understand the • Provide • Support Code • Com prehensive Quality

business needs of technical Review Assurance Support w ith
local partner expertise and standardized process and
solution for • Share best tools
• Assess the design review practices such
system capability agile etc. • Standard SLA to address
on both sides • Provide API and fix issues on timely
docum entatio basis
• Bridging the gap n to com plete
w ith product and the design • On-site support with
solution w ork experienced resource
enhancement 28
 Alipay+ Local Platform Overview

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