Smart Card

STT	Equipment and number of delivery	Invoice unit price (including VAT)	Commission rate (on sales)
1	2-chip cards, amount over 55 boxes (175 cards/box)	80,000 VND	5%
2	2-chip cards, amount from 28 to 55 boxes	90,000 VND	10%
3	2-chip cards, amount from 14 to 27 boxes	100,000 VND	15%
4	2-chip cards, amount from 7 to 13 boxes	110,000 VND	20%
5	2-chip cards, amount from 1 to 6 boxes	120,000 VND	25%
6	2-chip card unit price 130K	130,000 VND	27%
7	2-chip card unit price 140K	140,000 VND	30%
8	2-chip card unit price 150K	150,000 VND	35%
9	2-chip card unit price 160K	160,000 VND	40%
10	2-chip card unit price from 160K to 200K	... VND	40%
11	Ucode stamps, amount >= 20,000	20,000 VND	5%
12	Ucode stamps, amount from 10,000 to 19,999	25,000 VND	ten%
13	Ucode stamps, amount from 5,000 to 9,999	30,000 VND	15%
14	Ucode stamps, amount from 3,000 to 4,999	35,000 VND	20%
15	Ucode stamps, amount from 2,000 to 2,999	40,000 VND	25%
16	Ucode stamps, amount from 1,000 to 1,999	45,000 VND	27%
17	Ucode stamps, amount from 500 to 999	50,000 VND	30%
18	Ucode stickers, amount from 100 to 499	55,000 VND	35%
19	Ucode stamps unit price 60K	60,000 VND	40%
20	Ucode stamps unit price from 60K to 80K	... VND	40%
21	VPhone	3,000,000 VND	2%
22	VTablet	3,200,000 VND	2%
23	VUHF 1W	2,500,000 VND	2%
24	VUHF 2W	VND 4,400,000	2%
25	Cheap phones	1,200,000 VND	2%

SMART CARD

Smart Card + VCard = Global Revolutionary Technology Solutions

With just your face and card number (no phone, no card, no cash) you can go through the Entry/Exit Point or transact at the Payment Point with the VCard/VPass app.

With a smart card or Ucode stamp on a vehicle (car, motorbike, bicycle) you can identify or authenticate on the VCard/VPass app to pass the Entry/Exit Point or make payments without stopping, even at 220 km/ hour.

With 1 card and 1 bank account, 4 people have e-wallets to transfer money or scan QR code at Payment Point.

Touch card or enter number and face authentication on VCard to transfer money to hundreds of millions of accounts or scan QR at tens of millions of Payment Points in Vietnam and connected countries (USA, China, Korea, India, Japan, Indonesia, Philippines, Hungary ...) and allows the use of local currency.

Fees for using smart cards are many times lower than using bank cards and traditional POS: Payment fee 0.01%, receive payment 0.02%, transfer money to account 0.03%.

In addition, the Smart Card has the following features:

-  Can replace many different cards: E-wallet; Bank card; Access card; Elevator card; Identification cards; Shopping card; Metro card; Bus card; Ucode stamps collect tolls without stopping.
-  Identification, face authentication, safe and effective access control.
-  Interacts with any NFC-capable phones and tablets having Android 6.0 or iOS 7 or above (APPLE only allow iPhone interaction with cards using chips manufactured by NXP Semiconductors).
-  The card has 8 KB of memory, 3 KB for storing personal data and financial transactions (especially offline transactions), 5 KB for storing facial features, passwords, limits of 4 users.
-  Make financial and non-financial transactions even when phones and tablets do not have an internet connection.

In the market, smart cards appear in the form of cards of Vimass and co-branded cards between Vimass with thousands of units. Versatile card is suitable for all subjects, especially those who have not yet qualified to open a bank account.

INSTRUCTION FOR USING SMART CARD

1. Login card

Open the VCard application, select “Account”, and choose to login in 2 ways:
- Touch card:
+ Select login by touch card, and enter the initial card password "123456".
+ Touch and hold the card to log in.

- Enter the card number
+ Select login by entering the card number, and enter the card number and CVV number.
+ Choose method: log in with the card password, and Face ID of the device (iPhone) or Login with the face saved on the server.

Note:

- For card login for the first time on the app, it is necessary to use the card touch login method and password authentication method (with initial password 123456) with NFC phones.

- For users 2, 3, 4, when logging into the application to view the statement, the user uses the login method Enter card number.

2. Update Smart Card information

- At the main interface of the application, select "Account", select "Information".

- Update cardholder's personal information: Full name on ID card, Date of birth, Gender, Nationality, information about ID (ID number, permanent residence, Date of issue), phone, email, profile picture, front and back photo of ID.

- Select “Linked Bank”, enter the linked account number.

- After filling in all the information, choose one of the authentication methods and touch the card to save the information

3. Add and change authentication methods

3.1 Faces

a. Add face

- At the main screen of the application, choose "Account"

- Choose "Face", click the add face icon in the right corner, put the face in front of the phone screen, click the Camera icon.

- Enter the authentication password, the card touch message is displayed, touch and hold the card until the message "face registration successful".

b. Remove face

- At the Account screen, choose "face", select the icon to delete face.

- Enter the authentication password, touch the card on the device, and hold it until the message "Faces removal is successful".

- To add a new face, the cardholder does the same as the steps to add a face above.

3.2 Change password

- At the Account screen, choose "Password".

- Enter the new password and confirm, select "Change password".

- Enter the old password of the card, touch and hold the card on the device to confirm the change of the card password.

4. Top up Smart Card

You can top up the Smart Card in 2 ways:

(1) Using Mobile Banking, eWallets scan the front of the Smart Card

- Open the Mobile Banking application of banks, eWallets (Vimass wallet...), select "Scan QR".

- Scan the QR code on the front of the Smart Card.

- Deposit information is displayed, enter the amount, content and verify the transaction

After a successful transaction, the money will be credited to the Smart Card after 2 seconds.

(2) Top up Smart Card via VCard app

a. Use VCard scan the QR on the front of the Smart Card.

- Open the VCard app, scan the QR code on the front of the card.

- Enter the amount to be transferred.

- Enter card number and CVV, face authentication to transfer; or touch the card and authenticate to transfer money.

b. My QR

- At the main screen of the application, select "my QR", select QR card.

- Enter amount and content.

- Enter card number and CVV, face authentication or touch the card and authenticate to transfer money.

c. Transfer money on VCard

- At the main screen of the application, select "Transfer money".

- Choose to transfer money to Smart Card.

- Enter card number, amount, and content.

- Enter card number and CVV, face authentication or touch the card and authenticate to transfer money.

5. Using the Smart Card at Payment points.

- Pay by entering card number (Cardholder has saved facial features on Vimass's server)

Scan QR to pay at Payment point:

+ At the main screen, select scan QR. At the money transfer screen:

+ Confirm the account owner's name (Viet QR) or shop name (VNPay).

+ Enter/confirm amount and content.

+ Enter card number and CVV, choose face icon, and authenticate to pay.

Payment via account:

- At the screen to receive payment through the store's account.

+ Enter amount and content.

+ Enter Card number and CVV, choose face icon, and authenticate to pay.

Pay via my QR (After login smart card on Vcard, in the "My QR" section, a QR card and a QR of linked account will be generated)

At the screen showing my QR select the QR to pay:

+ Enter amount and content.

+ Enter Card number and CVV, choose face icon, and authenticate to pay.

- Card touch payment (phones and tablets with NFC)

Scan QR to pay at Payment Points:

At the main screen, select Scan QR. At the money transfer screen:

+ Confirm the account owner's name (Viet QR) or shop owner (VNPay).

+ Enter/confirm amount and content.

+ Select the Touch card icon, touch card and authenticate to pay.

Payment via account:

- At the screen showing my QR , select QR card / QR account:

+ Enter amount and content.

+ Select the touch card icon, touch card and authenticate to pay.

Pay via my QR:

- At the screen displaying QR to receive payment (my QR).

+ Enter payment amount and content.

+ Select the touch card icon, touch card and authenticate to pay.

6. Transfer money on VCard

- Bank account:
+ Select the bank, enter the account number.
+ Enter the amount, content.
+ Enter card number/touch card and authenticate to confirm money transfer

- Bank card:

+ Select the bank, enter the card number.
+ Enter the amount, content.
+ Enter card number/touch card and authenticate to confirm money transfer.

- Smart Card
+ Enter card number, amount, content.
+ Enter card number/touch card and authenticate to confirm money transfer.

7. Instruction for setting payment limits on Smart Card

The first user (the same name as on ID and bank account) user will specify 4 limits of the Smart Card

A. 1st User Limit
- Limit 1 (default 300 million): Use face
If the amount is less than the 1st limit, the face authentication must be the first user's.

- Limit 2 (default 500 million): Use face and password.

The amount from limit 1 to limit 2 must match the 1st user face and 1st card password.

B. 2nd User Limit
- Limit 1 (default 100,000 VND): Use face
If the amount is less than the 1st limit, the face authentication must be the 2nd user's

- Limit 2 (default 1,000,000 VND): Use face and password
The amount from limit 1 to limit 2 must match the 2nd user's face and 2nd card password.

C. 3rd User Limit
- Limit 1 (default 100,000 VND): Use face
If the amount is less than the 1st limit, the face authentication must be the 3rd user's

- Limit 2 (default 1,000,000 VND): Use face and password
The amount from limit 1 to limit 2 must match the 3rd user's face and 3rd card password.

D. 4th User Limit
- Limit 1 (default 100,000 VND): Use face
If the amount is less than the 1st limit, the face authentication must be the 4th user's.

- Limit 2 (default 1,000,000 VND): Use face and password
The amount from limit 1 to limit 2 must match the 4th user's face and 4th card password.

DECISION ON AGENT AND UNIT PRICE OF VIMASS

Service fee at the point of payment

Co-brand cards

Instructions for deploying the application of Smart Card and RFID stamps

Popularize Smart Card

Projects implementing Smart Cards and Ucode stamps

SMART CARD

DECISION ON AGENT AND UNIT PRICE OF VIMASS

Service fee at the point of payment

Co-brand cards

Instructions for deploying the application of Smart Card and RFID stamps

Popularize Smart Card

Projects implementing Smart Cards and Ucode stamps

SMART CARD

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