CCHS is a "Central Clearing House System". Generally it is used for settling a common payment system through cards or tags. A scheme operator or an organization is appointed to establish the payment system will operate the system.

Objectives of CCHS

• Maintain operational parameter and download to respective Point Of Sales (POS) and service provider
• Maintain accurate user information
• Maintain stock of card/tags
• Maintain blacklist cards/tags
• Managing batch transaction
• Maintain commission rate
• Managing bank and service provider settlement

Requirements of CCHS

• Issue tag to be market for public in certain outlet i.e. Point-Of Sales management POS)
• Be able to control the stock management
• Be able to blacklist any invalid card/tag
• Be able to provide settlement process either for public, financial institution, another clearing house or electronic commerce payment
• Be able to download various operating parameters to various entities
• Secure access control
  
  
  

  Entities of CCHS
  

• Scheme Operator

  This entity is owner of the system. She establishes the business rules of the payment system. She runs the system and POS. She can play the roles of tag issues. The clearing and the settlement would be carried by this entity. The commission of settlement processing would be kept in her pool fund.
  
  

• Card/ Tag Issuer

  This entity is the issuer or the owner of the card/tag. The card/tag issuer would be responsible in personalizing and distributing the card/tag.
  
  

• Card/ Tag Supplier

  This entity will provide or sell card/tag to scheme operator.
  
  

• Service Provider

  This entity is an organization or party that provides public services such as toll collection, parking, transportation, hospitalization or individual usage such as subsidies to workers for food beverages, clinics etc. She renders the cards or tags services to public. The cards or tags cab be used in any outlets as long the service provider provides the services to public. This entity will also collect debit transaction will be used for CCHS to reimburse the money to the services provider.
  
  

• Financial Institution

  This entity gets the instruction from scheme operator to credit customer accounts that are using credit cards, current account or saving account to purchase the cards from authorized outlets or reloads the cards or tags purse value. The money will be debited to trustee's account. This entity will also claim commission from scheme operator on the introduction given by scheme operator.
  
  

• Consumer or Public

  
  This entity is the user of the card/tag. Statement of accounts on card/tag usage will be printed for the consumer if required.
  
  

• Credit Device

  This entity is the authorized reader or equipment registered by scheme operator that used to increase or decrease the purse value of cards or tags.
  
  

• Card or Tag

  A card is a contact-less smartcard that carry identification of a person, money values and other valuable information. It holds 1K bytes of information. A microwave type of tag and can hold 16bytes of information.
  
  

The CH Systems uses distributed computing environment with client server database architecture. It also applies intelligent message rounding and a rigid data security scheme. The core hardware system and software kernel for the CH system as follow:

• Data Server (Oracle DBMS, mirroring architecture) - Modules are:

  - SP Ledger Information
  - Card & Transaction Databases
  - Device Information
  - Blacklist
  

• Application Servers - Modules are:

  - Initialization
  - POS &Report
  - Blacklist
  - Online-line Enquiries
  - Transaction Information
  - Auto-Reload
  - Remote Access
  

  The Clearing House will act as the central entity which provides the total technical support, maintains, manage the operations of the clearing and settlement system and its infrastructure. It will also integrate to the Service Provider's systems and assist in running the Common Payment System.
  
  
  

Benefits


• Toll Concessions/Bus/LRT Operator

  · Higher throughput (CSC/ETC > Manual), faster boarding
  · Reduce cash handling & leakage (CCH direct bank in)
  · Optimize manpower usage (electronic collection)
  

• Smartcard User

  · Convenience, no small change hassle
  · Reduce queuing time
  · Multi application environment - with one card
  · Built in reward & loyalty approach a value added service
  

• Regulatory bodies, agencies

  · Achieve objectives for more non-cash toll & fare collection
  · Overall industry efficiency improved
  · In synchronization with global ITS direction, trend & practice
  

• Clearing House Entity

  · Spin-Off Business Opportunity
  · Employment creation - with development of higher skills
  

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