The eWallet solution is an integrated solution for channel access, mobile payments, eWallet account management, tunnel and external service integration, merchant service and all public services to support business and technical operations.

The detail feature scope shows as below:

This is the overall solution architecture:

• Channel refers to the business system that initiates payment transactions. The current channel system has two types of systems: TCC eWallet App and normal eCommerce platform. With the development of business and the promotion of eWallet platform, more channel systems can be connected to eWallet platform. TCC eWallet App is a mobile application system, the main business is to provide customers with user registration and authentication, eWallet recharge, withdraw, transfer, payment and top-up mobile phone scenarios. eCommerce platform can help customers to complete the order payment by the hosted checkout after purchase on the eCommerce platform.
• Integrated eWallet platform is a platform that integrates multiple external systems and provides a unified standard and multiple payment methods for channel systems. It has strong expansibility, can shield the difference of external system interface, and provides stable access mode for channel systems. The integrated eWallet platform is divided into channel integration, merchant portal, admin portal, basic service, online processing, account management, batch processing, external integration, etc.
• The channel integration provides unified access for channel systems, including open platform and QR Gateway. The open platform provides open API for channel systems to complete the financial and non-financial transaction, meanwhile the hosted checkout provides a H5 based page for customers to complete the payment with different payment method. The QR Gateway provides interfaces for QR code transactions.
• The merchant portal is a web-based self-services portal for merchant to manager his profile, operators, transactions, funds and reports.
• The admin portal is also a web-based business operation portal for TCC internal users to manager users, platform customers, merchants, accounts, transactions, reports and also perform daily operation including business operation and approval, system maintenance, etc.
• Basic service is the public basis service to support the platform, provides standard technical services for various business systems, including workflow management, job scheduler, master data and dictionary, messaging and security services, etc.
• Online processing is the core of the eWallet platform, which provides business nodes through transaction process, and completes payment transactions in various scenarios (e.g. top up, transfer, withdraw, QR code payment, billing payment, etc.) through the flexible configuration and combination of business nodes.
• Account management provides all types of account management accounting services, including customer, merchant and platform owned account lifecycle management, different account posting services in different scenarios, account reconciliation and error adjustment, etc.
• Batch processing is the centralized processing of the batch operation function of the platform, and batch jobs are carried out through the mechanism of scheduling trigger and task running. In order to complete the business at the end of day, the required batch jobs need to be executed with different configuration, including clearing, reconciliation, settlement, reports, data backup and archive, and also to process the recurring transactions from platform level.
• Loyalty & Promotion: Loyalty & promotion service is the promotion engine of the eWallet platform. By providing the service capability of the marketing calculation engine (discount, random reduction, instant rebate, points deduction, points acquisition) and combining with online transactions, it helps the business to improve the user loyalty and achieve the purpose of acquiring more users.
• Agent Banking: The agent bank application is a mobile terminal agent business application provided for agents. Through the agent's mobile application, agent operator can process top up and withdrawal for eWallet users, also can check the agent transactions, as well as recharge and withdraw money with his own account through the application.
• External integration is that the eWallet platform connects with different external systems and converts the different interfaces of external systems into internal unified implementation standards through different adapters to improve the expansibility and stability of the system. 

Customer will pay 30% upon contract sign off, 60% after eWallet software customized and implemented, and 10% final payment of the fee after the system go live according to below price within 30 days after the receipt of invoice from Alibaba Cloud.