SEKURPAY®-GPS PAYMENT ASSURANCE SOLUTION DELIVERS ASSURANCE OF TIMELY PAYMENTS FOR THE FOLLOWING REASONS:

• SekurPay®-GPS has no physical limitation because it does not require interaction with the system within the vehicle in order to ensure timely payments
• SekurPay®-GPS has no moving parts to malfunction and has no effect on the Electronic Computer Module or Factory Warranty of vehicles.
• SekurPay®-GPS will only render the vehicle inoperable if the car is stationary and turned off. It cannot suddenly disable a vehicle while the engine is running. This fact, makes using SekurPay®-GPS completely safe for the driver.
• SekurPay®-GPS is a proven payment assurance solution that is securitizing asset to the value of1.2 billion USD.
• SekurPay®-GPS is a fail-safe software driven system that will not leave a customer stranded

A payment trigger exists for every payment that is due. The vehicle loan financier using the SekurPay®-GPS Payment Assurance Solution releases a new trigger if a payment has not been made.

The trigger is received by SekurPay®-GPS and the vehicle is disabled. Before any payment due date is reached the solution reminds the customer that the payment is due and if payment is not received within X number of days the vehicle will be disabled. If the vehicle is disabled then SekurPay®-GPS provides the facility to locate the whereabouts of the vehicle if recovery is required.

SekurPay®-GPS can change its behavior based on Over the Air programming (OTA) instructions, thus eliminating the need to interact with the device or recalling the vehicle for changing basic parameters.

• Payment Codes
• Grace Days
• Shut-off time
• GMT Offset

Payments can be scheduled for any day, or can allow payment changes without re-programming the device. SekurPay®-GPS allows changes, for example, from weekly to monthly and back again. Allows payment changes from, for example, Fridays to Mondays. SekurPay®-GPS allows the skipping of a payment and adding one later.

SekurPay®-GPS pro-actively reminds the customer that payment is due prior to the payment due date being reached. The reminder period is a configurable item set at the organization's discretion.

The Emergency enable allowance. A command is sent to the control center application and an emergency trigger is released and returned to the device automatically. The organization may reduce the number of Grace Days to compensate if they suspect abuse. The device includes an internal GSM/GPRS modem, proving both TCP/IP and UDP/IP, CSD and SMS communication between the device and the control center application. Where GPRS coverage is unavailable any emergency events are shifted to SMS.

• SekurPay®-GPS understands Time Zone settings so that users from all over the world can set a Shutoff Time of 11.59 pm and remain locally accurate.
• SekurPay®-GPS The solution allows the organization to automatically send the parameter triggers to SekurPay®-GPS therefore provides the benefit of a wireless management process that eliminates customer intervention.
• SekurPay®-GPS is configurable in terms of locating the vehicle when it has been disabled. This feature is organization driven and may be set to automatically advise the SekurPay®-GPS application or may be set to be passive. Such triggers are returned to the application to notify the location of the vehicle if recovery is required.
• SekurPay®-GPS parameters can also be configured and setup using OTA configuration In case the GPRS network is not available the commands can be sent by SMS.
• SekurPay®-GPS allows the vehicle to be disabled or enabled automatically and/or remotely via the application. This allows the organization to remain in control of their asset and also protects the customer in case of vehicle theft. The solution performs a Gradual Motor Arrest that allows the organization to send a command to gradually decelerate the vehicle until it comes to a full stop in case of vehicle theft.
• The device is small in size and allows it to be installed deep inside the interior of the vehicle thus avoiding detection and tampering.
• A tamper alert is sent to the finance company in the case of tamper detection.
• A 12 channel GPS sensor is integrated with the antenna for improved reception sensitivity ensuring efficient and accurate vehicle location.

SEKURPAY®GPS TECHNICAL SPECIFICATIONS