Solid Technology. Measurable results

• SekurPay® is a M2M asset management solution that's both scalable and reliable with a full loan, Payment and contract management facility.
• Ready-to-use web interface, and also provide an API you can use to seamlessly integrate with your own core banking, ERP, CRM and contact management system.

At a time when providing automotive financing is riskier than ever and approximately 30% of sub-prime loans require collection activities, reducing payment defaults and related collection costs is the only way to keep your profits healthy. Sekurus -SekurPay® payment protection is your solution.

Now you can interact with a vehicle remotely using satellite and wireless networks and the SekurPay®password-secured, web-based application.

1. Our payment protection system can be embedded in a vehicle in as little as 15 minutes
2. Once the asset management solution is installed, you can use the Warn feature to remind the driver that a payment is overdue. The driver will hear a loud beeping for a full 30 seconds every time the ignition is engaged.
3. If repeated warnings are ignored, you can use the starter-interrupter to disable the vehicleremotely so the vehicle will not start
4. When a payment is made, you can enable the vehicleremotely, allowing the driver to resume use of the vehicle
5. If no payments are made even after disabling a vehicle, the GPS can locate a vehicle in just a few seconds for repossession

Drivers cannot remove the SekurPay® device without your knowledge, because a Power Loss Alert is sent to you immediately if the power supply is removed by tampering and the Vehicle is disabled.

Used in combination with more traditional collection methods, SekurPay® payment protection will increase "on-time" payments. If repossession does become necessary, our GPS locator will also reduce repossession costs by disabling and locating the vehicle in a short amount of time.

We can train your collection agents on the best way to use SekurPay® to reduce your collection costs. SekurPay® will cut down on the approximately 50% of delinquent loans that result in repossession. Our web-based asset management solution can automate the control of high-risk clients and significantly reduce the rate of skips and repossessions, saving you time and money.

Just contact the vehicle's GPS monitoring device via wireless network, then use the "dashboard" application to observe location, send commands and more.

SekurPay® vehicle-embedded device is just 96mm x 69mm x 28mm, so it can be discretely located on the vehicle. Protected by a rugged casing able to stand up to the harsh automotive environment, the GPS locator device consumes very little power, so there is minimal drain even on well-worn vehicle batteries. The device features wireless GPS monitoring and a starter interrupter which can disable a vehicle or re-enable it, plus an emergency by-pass code, so a driver can be given a code to start the vehicle should it be disabled out of coverage range.

SekurPay®connects to the largest private network of carriers serving the fleet management market for the highest probability of seamless connectivity. This GSM/GPRS quad band wireless coverage with a full roaming management layer ensures the best results for lenders who want to constantly connect with their assets protection and security purposes.

You access the full loan portfolio of each client or  each vehicle or group of vehicles remotely in real time through a web-based "application" accessible on any web-enabled computer or mobile device. This monitoring software lets you manage the loans and manipulate vehicle activities using wireless networks and a password-secured application.

The application allows you to locate any vehicle in a few seconds and send commands to each vehicle satellite location at any time. You and other staff members can also receive alerts via email or instant text messages on exceptional behavior which may require intervention, so that you can respond immediately. Finally, the monitoring software lets you save time by scheduling alerts (for example, Insurance renewal and validation, registration renewal and validation), minimizing the need to re-input repetitive commands.

• Perimeter-based alerts – Receive alerts when a vehicle enters or leaves a zone marked out by you. You can "geo-fence" a vehicle by designating up to 16 keep-in or keep-out zones. Zones can be a small as a garage or lot, or as big as a country, to trigger cross-border violations.
• Network Presence Indicator - Displays which vehicles have connected to the network within the last 24 hours and their locations – no need to perform a locate command
• Power loss alert - A critical alarm when the power supply is suddenly removed by tampering with the device – an indicator of theft risk.
• Battery low voltage alert - Prompts an alert if a vehicle's battery is below its effective power capacity.
• Mileage threshold alert – Set predefined mileage alerts to prompt vehicle maintenance reminders and help maintain the value of the asset.

Optimizing Sub-Prime Auto Finance Payment Collections

Learn new collection strategies that emphasize customer satisfaction and automation with a positive impact on your bottom line.

See how to leverage the latest and best collection solution to:

• Increase cash flow with more "on-time" payments
• Reduce your risk of "skips"
• Cut the number of loan defaults
• Enable more efficient collection personnel

SekurPay® lowers your risk, cuts your collection costs and increases your cash flow. It will help your Buy Here Pay Here business succeed!

• Reduces skips by 33%
• Decreases repossessions by 13%
• Cuts delinquencies
• Boosts on-time payments

Right now providing BHPH financing is riskier than ever. Maybe one-third of your high-risk car loan customers are going to have to be chased for payments.

As a Buy Here Pay Here dealer, you need Payment Protection solution that manages you loan contracts that can ensure you make money even from the riskiest BHPH customers with capability to locate your asset when needed. Install our SekurPay® in every car you lease or sell and you'll enjoy more on-time payments and therefore increased cash flow, fewer repossessions and greater profits.

Our SekurPay® is not only a tracking system is a total solution that helps ensure your customers pay when they should, without you have to chase them!

Our BHPH system helps you avoid late payments:

• Once the system is installed, you can use the Warn feature to remind the driver that their payment is overdue. The driver will hear a loud beeping for a full 30 seconds every time they start the car.
• You can disable vehicles when their late payment goes past a "grace period", by remotely disabling the vehicle. Now you have the power to ensure that car won't start until they pay up!
• You can re-activate the vehicles after payment has been made
• You can also locate cars for recovery, if necessary

Our car tracking system can be embedded in a vehicle in as little as 15 minutes. It lets you interact with the vehicle remotely from anywhere, using any computer with Internet access. And drivers cannot remove the SekurPay®GPS without your knowledge, because a Power Loss Alert is sent to you immediately if the power supply is removed by tampering.

SekurPay®GPS payment protection significantly reduces the rate of skips and repossessions, saving you time and money. If repossession does become necessary, our GPS car locator will help you cut repossession costs by disabling and locating the vehicle in a short amount of time.

Overall, SekurPay®payment protection system lowers your risk when giving credit, cuts your collection costs and increases your cash flow. It will help your Buy Here Pay Here business succeed!