By: Ibrahim Al- - PowerPoint Presentation

Slide1

By: Ibrahim Al-

Failakawi   

WSIS Forum

2015

1

e- Payment Project

The

State of Kuwait

Ministry of Finance

State of KuwaitSlide2

Payment for government revenues are done in cash or checks.Take about a week to reach Ministries and Authorities account in Central Bank.Theft of cash before reaching the bank.Fees are paid using the paper stamps.

Stamps easily get damaged. Illegal reuse of paper stamps.

The old Situation

e-Payment

2Slide3

e-Payment is a joint project between the public sector and the private sector.The public sector represented by the Ministry of Finance (MOF) and the Central Agency for Information

Technology ( CAIT).The private sector is k-NET (Shared Electronic Banking Services Company)

e- Payment

e-Payment

3Slide4

MOF aims at keeping

up with technological developments in the collection of revenues and fees for government services.

MOF launched e-Payment project in March 2010 and launched e- Stamp in January 2013, both projects carry the following logo:

e-

Payment

e-Payment

4Slide5

Through the implementation of the project , MOF aims to make payment of any government revenue and fees easier and faster through the internet or any other electronic channels.

The payment can occur at any time or location at no additional charges.

e-

Payment

e-Payment

5Slide6

The project is regarded as the infrastructure for the collection of public revenues and fees in association with k-NET though the following:Building the government portal for electronic payment.

Providing several channels of electronic collection to the government agencies.Empowering individuals and companies to pay any dues by any bank card.

Executing Transfers done by clients from their bank accounts to the Central Bank within 24 hours.

e-

Payment

e-Payment

6Slide7

Restructuring the solution for the electronic payment system.

MOF & K-net created an integrated solution for electronic payment system. The system was applied widely in government agencies that provide services to citizens, expatriate and

private sector.

e-

Payment

e-Payment

7Slide8

e

-Payment

Infrastructure

e-Payment

Central database

Report

Services provided

K net

Clients

Mobile

sys

Delegation system

8

Commercial Banks

Internet

Sys

ATM

Sys

IPOS

Sys

POS

sys

www.e.gov.kw

Gov

Portal

Central Bank

SSL

التشفير

PCI

PCI

sysSlide9

Replacing printed stamps with e-stamps using a number of channels for e-payment and for thee issuance of the e-stamp.Easy to useFast to get

High security mechanisms employedCan be executed at any location

e-Stamp

e-Payment

9Slide10

Roles of parties involved

e-Payment

Agencies

K-net

Clients

Commercial Banks

10

Central bank of Kuwait

MOF

CAITSlide11

The role of MOF Preparation and signing of agreement with

k-net.Issuing a circular to regulate the use of the e-Payment channels and issuing the e-stamp.

Project management and supervision of the implementation process for the agencies. Providing support

in coordination with the k-NET . Review and approval of sub-contracts entered into by government agencies with k-net company.

Roles of parties involved

e-Payment

11Slide12

The role of MOF Campaigning for the project management in coordination with the Central Agency for Information Technology and with the assistance of K-net.

Studying proposed solutions to the various payment channels and adopting the suitable for implementation. The study of new channels for payment and the issuance of

e-stamp and adopt appropriate one for implementation.

Roles of parties involved

e-Payment

12Slide13

The role of CAIT Development of standards and technical standards for e-services. Preparation

of laws and legislations regulating electronic financial transactions. Urging and enabling government agencies to implement e- payments and issuing e-stamp.

Allow e-Payment through the official central portal. Overseeing the implementation of e-stamp.

Overseeing the implementation of the e-Payment channels and campaigning for the project.

Roles of parties involved

e-Payment

13Slide14

The role of government agencies Formation of working groups to manage the implementation of the system.

Signing of sub-contracts with k-net company. Identifying services for which e-stamp is required.

Developing electronic services . Integrating their e services and the electronic

e-Payment channels. Implementing e-payment channels in all their sites.

Roles of parties involved

e-Payment

14Slide15

The role of k-net Providing e-payment gateway. Providing a central system for the issuance of

e-stamps. Allowing the issuance of e-stamps 24-7 -365.

Installation of e-payment channels. Integrating e-payment channels with eservices at government. Training

staff of the different government agencies to use e-payment channels.

Roles of parties involved

e-Payment

15Slide16

e-Stamp

e-Payment

Database

R

eport

Requested at

government agency

K net

clients

mobile

Delegation for cards

16

Commercial Banks

internet

KIOSK

IPOS

POS

www.e.gov.kw

Official portal

Central Bank of Kuwait

e

-stamp

PCI

PCI

SSLSlide17

e-Stamp

e-Payment

Cycle of e-stamp issuance and accounting mechanism

Customers use any channel

1

Agencies are provided with requests for charges to K-net

Depositing

receipts

in

government agencies at the central bank account

issuing PIN /printing

acetkra

for

POS

,KIOSK

r

3

17

Scanning

details of e-stamp

6

IPOS, mobile, internet

Automatically entering the transaction number into the database & changing the code for the event thus enabling the user to automatically print the stamp

4

Determining

the number of

transactions for each agency . Then determining

the total number of monthly

transactions for

all government agencies

then relocating

to the appropriate

account.

2

5

Barcode reader scans e-stamp /stored at database/ change

status from activated into used

Customers use any channel

Request an electronic stamp

POS ,KIOSKSlide18

Charges paid to K-net

No of transactions

(activated)

Charge per transaction

and less

300,000

0.250

350,000

0.230

400,000

0.210

500,000

0.190

1,000,000

0.170

1,500,000

0.150

2,000,000

0.140

2,500,000

0.130

3,000,000

0.120

and more

3,000,000

0.110

e-Stamp

e-Payment

18Slide19

Features of e-stamp Confidentiality and security , having the possibility of adding

invisible confidential electronic signs . Additional encryption features. No re-use is possible.

e-Stamp

e-Payment

19Slide20

Important data encrypted according to the international regulation (PCI - DSS) Payment card industry

e-Stamp can only be issued through k-net available devices with government agencies.

e-Stamp

e-Payment

20Slide21

e-Stamp

e-Payment

P

hase 1

implementation was carried out for point of sale and KIOSK to issue e-stamps

that do not require

to be integrated to systems.

payment is made by K-net

as well as cash. e-stamps are issued and then fixed manually on

the service forms.

21Slide22

Phase two Integrating Payment gateway and Integrated POS with the system.

e-Stamp printed directly on the service form. Allowing the service thought mobile phones also.

e-Stamp

e-Payment

22Slide23

IPOS

e-Stamp

e-Payment

23Slide24

Future plans for the payment serviceCentral e-collection for government revenues.

Project awarded and in the contracting phase.

e-Payment

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Central e-Collection SystemSlide25

Commercial Banks

Central government automated collection of receivables Project

e-stamp

CAIT - KIN

(BROKER )

Integration equipment

Civil Service Bureau

Electrity

& water

Ministry of communications

MOI

Public Authority for Civil Information

Integration equipment

MOF central collection

(sharable)

General perspective of the project

قنوات الدفع الالكتروني المختلفة

www.e.gov.kw

portal

MOF

25

Database

Central

E-stamp

Delegation for cards

client

internet

mobile

Central Bank of Kuwait

ATM

Integration equipment

Integration equipment

Integration equipment

Integration equipment

PCI

PCISlide26

Best wishes

e-Payment

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