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About Swifty

This addendum scope is to describe the transportation solution using Swifty mobile money platform that will support a variety of wallet and
digital payment gateway functionalities. This proposal has been submitted to Swifty based on their request for proposing a fully digital
payments platform to digitize all payments methods across the metro network in Egypt and addressed to the Egyptian National Authority for
Tunnels that is managing the metro network in Egypt. The below is a technical overview of the solution that will be implemented and
empowered by Swifty’s current digital payments platform delivered by Vericash.

main principles

Payment channels

NFC ticketing

NFC payment will be through NFC technology (near-filed communication), which can be supported using any type of NFC tags like mobiles supporting NFC, NFC stickers or cards with NFC support, etc. The NFC payment in the transportation media assumed to be supported and accepted by the government and the ministry. In addition, supposed that there is NFC system for acceptance and hardware devices at each transportation point to accept the NFC payments already supplied.

NFC POS device initiated
This option will depend on initiation request from the NFC POS device to the NFC mobile to deduct the ticket amount from the wallet then a reply to the device upon successful debit for amount to allow the passenger to use the transportation or even printing a ticket with the amount if needed.
NFC tag Initiated

This option will depend on initiation request from NFC tag to the NFC POS device, in this case the NFC System will act as an acquirer for the transaction, that sends an
authorization request to containing the NFC tag unique ID as an identifier to the customer wallet.
This will requires a registration process for the NFC tag in platform.
Assumes that the NFC POS device has the ability to go online and authorize the transaction from platform.

NFC tag registration

The idea is to register the NFC tag using its Unique ID into VERICASH, which is the customer mobile money platform and the NFC System, accepting authorize
and debit the mobile money using NFC tag.
A portal access via an agent will be used to register the new NFC tag to the customer wallet, which will requires a visit by customer to one of Swifty agents

NFC tag payment

After the registration of the NFC tag as an identifier to the customer inside , it can receives a requests from the NFC System using this tag,
then authorize the debit of the ticket amount from the customer, responding back with approval to allow the trip and print a ticket if
needed.

QR ticketing

QR payment is an easy and simple way for communication between the customer and the merchant, to transfer data related to payment
transactions.
QR code will be used to communicate the trip information in order to pay for a trip or to communicate the ticket information to check if the ticket
is valid and person allowed for the trip

Ticket payment

We will explore multiple payment scenarios according to the nature and connectivity of the customer and the transportation
device

Cash payment

This option is used for the customers, who has no wallet or his wallet balance is not sufficient, so he can pay for ticket using cash
money.

Proximity wallet payment

This option is used for the customer who has the wallet mobile application, scans the trip information, uses the
information to authorize the transaction and generates another QR code for ticket upon receiving approval from
VERICASH.

Remote wallet payment

This option is used for the customer who has the wallet mobile application, by selecting the trip information to authorize the
transaction and generates a QR code for ticket upon receiving approval from swifty.

Ticket validation

We will explore multiple validation scenarios according to the nature and connectivity of the customer and the
transportation device.

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