Date post: | 17-Oct-2014 |
Category: |
Documents |
View: | 2,479 times |
Download: | 1 times |
©2011 MasterCard.Proprietary and Confidential
24th of May 2011
Mobile Finance Masterclass
James Davlouros
May 24, 2011
©2011 MasterCard.Proprietary and Confidential
DESCRIPTION: Mobile contactless payments within a physical retailer at POS. Card emulation (to replace card, cash and cheque) and delivering value-added services along the purchase journey
PLAYERS:
DESCRIPTION: Purchasing music, tickets, games, gambling, content e.g. TV, applications
PLAYERS:
DESCRIPTION: Use mobile device to make payment over the air for physical goods (equivalent of online payments)
PLAYERS:
DESCRIPTION: A money transfer between two mobile phones which can be redeemed for airtime, cash, or used to pay for bills or goods by receiving parties. International = 66%, Domestic 33% of transaction value.
PLAYERS
Telcos
March 22, 2011Page 2
~ $60bn
(2014 = $60bn)
$120bn
(2014 = $148bn)
$42bn
(2014 = $48bn)
~ $153bn
(2014 = $408bn)
2014 Market Growth = $375bn*
(2014 Actual = $664bn)
(* Forecast volumes provided by Juniper Research a business intelligence analysis group focussed upon the communication sector)
Mobile ContactlessMobile Money
e/m-Commerce – Digital and Virtual Goodse/m-Commerce – Physical Goods
Mobile commerce is developing rapidly...
Banks
©2011 MasterCard.Proprietary and Confidential
Disruption due to New entrants in payment space
Feb 8 2011: Buyster
France’s leading operators, Orange, SFR and Bouygues
Telecom announced JV to launch Buyster through Atos, a
remote payment system with own acceptance brand
Feb 9 2011: Belgian operators
Belgian leading operators announced plans to launch a
remote and NFC payment system
Feb 4th 2011: O2 UK
O2 seeks an e-money license for bank
independent P2P and mobile commerce wallet
launch in 2011, to be expanded to NFC at later
stage.
MNO initiatives (bank independent)
March 2010: Deutsche Telecom buys
ClickandBuy
Deutsche telelcom buys a leading e-
commerce wallet
Dec 6 2010: Google & Samsung
Google has announced the launch of one of the
world's first NFC smartphones with embedded
NFC, the Nexus S, which supports the
company’s new Android operating system
version, Gingerbread.
Feb 8th 2011: Vodaphone signs WW
agreement to distribute Nexus S !
Operating Systems’ initiatives
Apple…
Strong rumours that Apple’s iPhone 5 has
postponed embedded NFC and will be based on
i-Tunes wallet
9 Feb 2011 Nokia and Microsoft alliance
Nokia decided to use MS ‘Windows phone 7
Operating System, dropping Symbian.
Plans to issue
Android has overtaken Symbian as the world’s
largest OS in January 2011.
Dec 16 2010: Orange France
Orange has announced its ambition to equip
500,000 clients with NFC phones by end of 2011.
March 22, 2011Page 3
©2011 MasterCard.Proprietary and Confidential
MasterCard Mobile Services Strategy
Utilizing the
mobile platform to
deliver convenience
and control Remote Payments,
Mobile TopUp,
P2P/Remittance
Utilize mobile’s
flexibility and
immediacy to add
supplemental value
to core solutions
Alerts, Apps,
Mobile Offers
and Coupons
Proven products
and capabilities that
add new utility
to traditional
payment channels
Contactless
(Mobile PayPass),
New Mobile Payment ServicesMobile Value Added ServicesCore Payment Services
©2011 MasterCard.Proprietary and Confidential
Standards and Approvals Standard Test and approval process for all 3rd party software and hardware components
Partner ProgramAn ecosystem player forum and a repository for all documents related to mobile payments
MasterCard Mobile Services & Products
Mobile PayPass
MOTAPS
Over The Air Provisioning
Service, for instant issuance
and control. Single connection
enabling you to provision all
your financial applications
Mapping Service
Instantly issue PayPass cards
to phones, associating them to
an existing consumer card
Mobile TAGS
An easy and convenient way to
roll out PayPass capabilities to
the phone with PayPass TAGS
Location ServicesPhone applications for ATM
locators and offers based on
your location
Mobile CAPReceipt of a dynamic CAP token
based on either two factor
authentication
Under development
Mobile OffersPhone applications providing
information on offers based on
location (Next Jump integration)
OthersAlerts, Money Management, etc.
MasterCard MPG
Mobile Payment Gateway
A turnkey mobile payment processing
platform that allows issuers, acquirers,
merchants and mobile network operators to
quickly and cost-effectively provide
customized mobile solutions
MoneySend™
Person-to-person transfers
Enable consumers to send money to each
other by simply entering the recipients
Mobile phone number
New Mobile Payment ServicesMobile Value Added ServicesCore Payment Services
Page 5
The Mobile Convergence SolutionBridging together Proximity, e/m-Commerce and remote payments
©2011 MasterCard.Proprietary and Confidential
Value add services that utilize the mobile device to add supplemental value to payment and shopping experience
Money Send Applications
for Smart phones
Mobile CAP
for eCom transactions
Offers with
MasterCard Marketplace
Location Restaurant
Offers in Italy
inControl Card Management
via mobile applications
Location based Services
for events
©2011 MasterCard.Proprietary and Confidential
Fully-integrated on-demand person-
to-person mobile payment service
200 phones payment pilot in
partnership with ViVOtech First Market Trial of Personalised
NFC-Enabled Mobile Phones
First trial of PayPass-enabled mobile
phones for secure EMV payments
Custom technology trial of Near
Field Communication and MTA
Turkey’s first mobile phones, enabled
with MasterCard PayPass
Pioneer mobile phone debit payments in the
United Kingdom, using Maestro PayPass
Enable customers to make contactless payments
via phones with MasterCard PayPass
Partnering in the development of a Mobile
Payments proposition that focuses
specifically on consumer convenience
First large scale deployment of PayPass in
a mobile phone (60K Customer)
First trial in Taiwan to make
use of NFC smart posters
and m-couponsFirst Mobile Pilot in India (Bangalore) using
Mobile PayPass
Turkey’s first mobile phones, enabled
with MasterCard PayPass
Commercialization of mobile
payments using NFC technology
Mobile Payment Gateway in Latin
America enabling consumers to pay
bills and top-up air time
Tags on Blackberry Rollout
SMS alerts and notifications
Commercial Launch of Mobile NFC
using MFLEX Antennas
Issuing Mobile TAGS to the
consumers in the USA
An Overview of MasterCard Mobile Momentum
©2011 MasterCard.Proprietary and Confidential
• EMVCo: Chip payment specifications
– Common Contactless Interface (for PayPass cards and mobiles); Terminal Specifications
(including mobile); Application selection on mobile; UICC profile; handset requirements
• NFC Forum: NFC Contactless specifications
– Technical Committee Chairmanship
– Lead development of digital and analogue specifications for compatibility with PayPass
– Major contribution to test cases for compliance program
• European Payment Council, M-Channel WB:
– Contributing to work on contactless mobile payment and remote mobile payment
• AEPM: French specifications for contactless mobile payment
– Developed French implementation of Mobile MasterCard PayPass M/Chip supporting AEPM
requirements while using standard PayPass terminals for interoperability
• GlobalPlatform: Smartcard standards
– Monitoring Mobile Task Force
– Contributing to other mobile payment related developments through EMVCo, including
Composition Model for Security Evaluation
• ETSI Smart Card Platform: SIM Card specifications
– Member of ETSI. Monitoring SCP, and contributing when it is felt that work is closing off options
for banking and payment deployment
Contribution to industry standards setting
©2011 MasterCard.Proprietary and Confidential
• Publications
– Mobile MasterCard PayPass M/CHIP Issuer Implementation Guide
– PayPass for Mobile Specifications
– Reference User Interface for Mobile MasterCard PayPass
• Project support
– Product specialists & technical experts
– MC Advisors (for heavier projects)
• Marketing support
– Marketing Templates for Mobile MasterCard PayPass Tags
– Reference User Interface for Mobile MasterCard PayPass & MPG
– Demonstrations of Mobile Payments (M/CHIP 4) for payments
– Demonstrations of Mobile Payments and inControl integration solutions
– Demonstrations of Mobile Payment Gateway mobile solutions
MasterCard support
http://www.mastercard-mobilepartner.com/documentation.html