PowerPoint Presentation

MasterCard and Penrillian Partnership in NFCIan HetheringtonHead of Sales and Marketing | Penrillian

June 17, 2014 | Edinburgh

Why were hereIntroduce ourselves (first time at NFC Forum today!)Introduce MasterCard Tap & Go.Explain how we built Tap & Go using the Mobile MasterCard PayPass UI SDK.

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Who we are

Penrillian and Mobile Payments

a/c management app server

PrePay Solutions Financial Backend

Orange Cash began development in 2012: phased approach, beginning with account management before moving on to NFC payments. App released on Android and iPhone (+ built for BlackBerry, but not released).Product evolved to become EE Cash on Tap with total app re-write for new EE brand and to include payments.Penrillian involved in building the mobile apps and building the app server between the apps and the PPS backend (authentication, streamlining data [SOAP -> JSON], push capability, forced upgrade).

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MasterCard Tap & GoChallenge: Build an NFC payment app with the MasterCard MMPP UI SDK and integrate with a prepaid card.

Approached by MasterCard to build a mobile payment app on BlackBerry (originally, as it was their company-issued device) and Android. Motivation was to help prove the capabilities of their newly created SDK and evangelise mobile payments within MasterCard. Target audience was ~250 at MasterCard Belgian HQ, Waterloo. Project required collaboration between:MasterCard (product owner)PrePay Solutions (issuer, processor)Oberthur (SIM personalisation and cardlet)Mobistar (SIM/Network provider)Penrillian (App developers)

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Business ContextPilot with Mobistar and MasterCard500 staff of MasterCard Belgium office and identified Mobistar usersPPS as issuer, processor and programme managerPenrillian as mobile technology partnerOberthur as Sim card fulfilment partnerUsing the MasterCard SDKLinked to a mobile ApplicationUse Virtual Card for online paymentsReal-time balance and transaction history shown in AppAvailable on Samsung Galaxy S4

Approached by MasterCard to build a mobile payment app on BlackBerry (originally, as it was their company-issued device) and Android. Motivation was to help prove the capabilities of their newly created SDK and evangelise mobile payments within MasterCard. Target audience was ~250 at MasterCard Belgian HQ, Waterloo. Project required collaboration between:MasterCard (product owner)PrePay Solutions (issuer, processor)Oberthur (SIM personalisation and cardlet)Mobistar (SIM/Network provider)Penrillian (App developers)

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How we did it

UI App (Payment)Mobile DeviceUI Component APIMMPP Payment APIMMPP UI API

MMPP Cardlet*SecureElement

Business Logic APIPPSE

MMPP Cardlet- Mobile MasterCard PayPass cardlet ApplicationImage from MasterCard MMPPUI Presentation 2011

PPS Mobile App Server

PPS Authorisation Platform

MMPP UI SDK is free to use but you have to be licensed. App and SDK can be used in any way desired all source code available.Quickest route to market: Integrate existing MasterCard White Label with Penrillian-developed account management code.In order to run the WL app, all that was needed was persoed SIM with known AID. SIMs were hand-printed by Oberthur so no need to set up an OTA provisioning process.Penrillian managed all aspects of software build, including bespoke amendments to the MasterCard White Label it wasnt perfect!

MasterCard SDK handles payments.Penrillian code manages account behind the payments:Add funding sourceLoad cardView balance and transactions historyApp security for authentication, PIN management, and inactivity.App ready to be deployed to initial MasterCard trial users in Belgium.

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Outcome

Lessons learnedSDK White Label App worksA great reference app for those looking to integrateSDK was easy to customise, e.g. we used custom data fields on the SIM cardlet.We built it (twice) and it works you could too!