Mobile Connect. Deploying identity service across Asia · PDF fileMobile Connect. Deploying...

Mobile Connect. Deploying identity service across AsiaThursday 29th June 2017

14:00-16:00

Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.

Deploying identity services across Asia14:00 Welcome/ Introduction Marie Austenaa

VP and Head of Identity Business Development, GSMA

14.10 Keynote:

The strategic rationale for a ubiquitous digital identity solution alongside the digital

service industry.

Glenn Porter

Managing Director, GBG

14.30 The importance of collaboration for the benefit of consumers in launching digital

identity services.

Jef Ng

Strategic Partnerships and Alliances, Singtel

14.40 Migrating existing authentication services into a global identity solution, the

benefits to end users and industry at large.

Andy Kim

Director, SK Telecom

14.50 Delivering secure identity verification for money transfer services. Jaikishan Rajaraman, VP and Global Head of Technology, GSMA

on behalf of Mohsin Termezy

Group Head Product, Strategy & Innovation, TPS, Pakistan

15.00 Rolling out digital identity services across China. Mr. Kong Fansheng

General Manager, Capability Platform Business

China Mobile Internet Company

Xiaodi Wang

Chief Mobile Connect Architect

China Unicom

15.30 User perspectives – Mobile Connect now and in the future. Glenn Porter, Managing Director, GBG

Atreedev Banerjee, GM Global Ops and VP Products, Danal

Andy Kim, Director, SK Telecom

Thierry Barba, Director Ecosystem Development, Orange

Moderator: Janne Julita, Head of Commercial, GSMA

16.00 Close


1. Digital is everywhere – and mobile is everything;

more and more valuable services are turning digital

(and mobile)

2. Security in the digital world is not up the task;

must improve username / password and SMS OTP –

neither convenient nor secure

3. Major regulatory changes underway – based

around trust and consent; existing user data will

become useless unless explicit consent to be used

• China: Cyber security and privacy law

• Europe: eIDAS, PSD2, GDPR

• US: NIST recommendations

Major market trends are driving the need for secure digital identity

• 5bn mobile subscribers

globally, with Asia

representing 60%1

• Mobile identity industry is

estimated to be worth 87.9bn

by 20201.

• Security breaches have

increased 1.8% since 2016,

with an average cost of $141

per record stolen3.

• Businesses have lost up to

40% of their revenue in

customer churn due to

negative brand reputation4.

[1] GSMA Intelligence, 2017.

[2] 90% of all data has been created in the last 2 years. SOURCE: http://blogs.lse.ac.uk/businessreview/2016/01/19/the-economic-value-of-personal-data-for-online-platforms-firms-and-consumers/

[3] IBM Global Report – cost of data breaches. SOURCE: https://www.ibm.com/security/data-breach/

[4] http://blog.securitymetrics.com/2016/10/-how-much-does-a-data-breach-cost.html

http://blogs.lse.ac.uk/businessreview/2016/01/19/the-economic-value-of-personal-data-for-online-platforms-firms-and-consumers/


Customer centric

ID

Mobile

Content

Payments

Insurance

IP TV

Cloud

External enablement services

Operator strategies in digital identity

Verify your details

• SIM Applet

• USSD

• SMS

• App MNO

Authentication

Mobile Connect

request

Authentication

server

Identity

Gateway


• Simple, secure and convenient access to online services

• Combines the user’s unique mobile number and optional PIN to:

• Authenticate users online

• Authorise digital transactions and payments

• Verify identity

• Confirm attributes about user or device

• Strong positive user feedback on usefulness and user experience

resulting in significant take-up

• 3bn enabled users; 83m registered users; 25m active users

• 51 Operators in 29 markets

Mobile Connect makes everyday access to digital services

more convenient, private and secure

A mobile operator facilitated global digital identity solution


Mobile Connect is a range of services supporting digital transactions

Helping users manage their identity across their digital footprint

Simple and globally

ubiquitous log-in

Authentication

Insights about the user, device or transaction

Attributes

Assertion of user identity

Identity

User authorisation of

SP requests

Authorisation


Government

Banking

E-commerce

Parental Control

The value of Mobile Connect

Drives user loyalty and customer relevancy

Improves customer insights

Builds trust in digital services; protects user

privacy and reduces fraud

Retail

Travel & Hospitality

Unlocks new revenues and business models


• 82% of users satisfied (46%

very satisfied) (Orange Spain)

• 92% of active users perceive

Mobile Connect as a useful

solution (Orange Spain)

• 97% said that it worked well

and they would use it again (Turkcell)

• “Very fast” – better than

SMS OTP (India)

• 50% of all log-ins to self-care

portal via Mobile Connect (Turkcell)

• 10-12x transactions per month (Norway, Finland, Korea)

• 75% prefer Mobile Connect to

passwords (10%) (Orange Spain)

• Proven willingness to pay (Norway, Estonia, Finland)

• Privacy protection is important

for money-related services (India)

• Net promoter score +27% (Orange Spain)

• 3rd most important reason

to chose a mobile operator

– 88% (Telenor Norway)

Good user experience Found useful Promoted

Mobile Connect is attractive and relevant to end-users

“Why did Turkcell not

deploy it earlier?”


Operators are scaling Mobile Connect

Default service Own servicesJoin global

industry solution

Promote to own

partners

Establish joint

market offer


Infrastructure deployment

• Investment decision

• Vendor management

• Platform deployment

Internal services and registered users

• User registration

• User awareness

• Internal service deployments

External services and active users

• Commercially ready service

• Sales & marketing to external SPs

• Campaigns to drive end-user take-up and usage

• Support and service delivery

GSMA Identity focus on external services and active users

2014-2016 (3bn enabled users)

2015-2017 (83m registered users)

2017-(target 100m active users)


MC Link hides supply side fragmentation and creates a ‘one-stop-shop’ for Mobile Connect – to be

sold by channel partners or other operators

GSMA establish a unified commercial offer with “MC Link”

Users

MC Link

MNO 1

MNO 2

MNO 3

Unified commercial

offer & support

CP 1

MNO 4

Serving MNOs MC Link SP Sales

SP 1

SP 2

SP 3

SPs


• India – 6 largest MNOs launched; most important use case driving

active users is log-in to mPesa (Vodafone’s mobile wallet service)

• Taiwan – 5 operators’ My Number identity verification service (Mobile

Connect) is now available as part of Taipei Governments’ Smart City

and Payment Platform with payment authorisation services being

launched around Q3 2017

• Pakistan – 3 operators launched on internal services; registered

customers +80%

• Malaysia and Thailand – governments driving the deployment of

digital services

Mobile Connect in Asia

A trusted digital identityJune 2017

Glenn PorterManaging Director

[email protected]

The way we transact is continuously evolving…

A rapid explosion of technology in ASIA

2016 saw mobile subscriptions at almost 4billion, with internet users up 15% in APAC

62% of Internet users in Indonesia use only a smartphone to connect, compared with 11% in the US and UK

32% of Malaysians made their latest purchase online, compared to 29% in the US

(Google Consumer Barometer).

Increased opportunities for fraud

Asian consumers express the highest lack of trust

in organisations abilities to prevent fraud

who they say they are

and that they’re located where they say they

are.

In an evolving ecosystem, what hasn’t changed is the need for trust…

I am

WHO I say I am

I am

LOCATEDwhere I say I am

Three pillars of authentication exist in in the digital ecosystem

CONVENIENCE SECURITY TRUST

Mobile connects the physical identity to a digital economy

Attribute

Biometric

Location

Payment

Insight

Mobile is enabling the digital ecosystem today

Customers use mobile to • Register, • Verify• Begin

transactingwithin 60 seconds


Mobile Connect places the customer in control. Begin the journey securely and with trust.


The phone:• Auto-captures

ID documents, • Validates their

authenticity • Prefills identity

information to save time


The camera takes a selfie which instantly matches the biometrics of the ID photograph detecting liveliness


The consumer consents to use GPRS and location data to detect their location


Automatically prefill accurate address information using GPRS, Geocodes and postal authority data.


Match all of these identity attributes against trusted data sources, including mobile network operator data


The customer is ready to transact securely.

A business can trust their identity without disrupting the experience.

What is the next step after this?

By 2020 there will be over 50 billion connected devices around the world.

Mobile has the power and information to fuel this modern ecosystem.

Identities can be protected, journeys improved and most importantly trust of the consumer maintained.

Validated identity improves the customer experience

Using location intelligence, biometrics, NFC and continuous authentication to prevent fraud & improve ATM experiences

42% of consumers in Southeast Asia were most concerned with ATM related fraud, 31% in China Markets.

Accurate location information enables delivery

YourMARKET.com

Order complete,

your items will be

delivered to your

location in 30minutes

We must collaborate to have a global standard for identity

To achieve a truly global ecosystem there needs to be collaboration and standardisation

Todays consumer ecosystem is global.

Identity needs to support thisTo achieve the three pillars, there needs to be collaboration and standardisation

Thank You – Glenn Porter

[email protected]

mailto:[email protected]

Collaborating for the benefit of consumersLive service deployment in Singapore

Jef Ng, Singtel

I was so looking forward to

the Singles Day Sales!

Added my item into my cart

but I

FORGOT MY PASSWORD

during checkout.

Failed to buy my desired

item!

http://www.cheaponana.com/2016/11/prepare-to-shop-and-save-on-double-11-11-nov-singles-day-sale-on-tmall-and-taobao-with-maybank-and-shopback/

Source: GSMA

Tedious Sign Up Experience

and

Complex Payment Process are

the 2 biggest pain points today

74%abandoned

86%dropout

$4tn lost

Simplify

sign up

Offer creation of user accounts to streamline return purchases, to reduce data entry for checkout and payment

Offer storage of payment credentials but employ strong 2 factor authentication mechanisms

Consumers do not want to

sign up for multiple

accounts with different

merchants

Objectives Today solutions Constraints

Simplify

payment

process

Offer Guest checkout option; minimal data entry required Data entries are still required

for every transaction even

with the same merchant

Merchants need to PCI-DSS

compliant

Risk of data breaches

Offer acceptance of online wallets (e.g MasterPass by MasterCard, V.Me by VISA)

Adoption not mainstream

yet

Today’s solutions tried to address these pain points but they are still not

there yet…

Source: GSMA

1…. but meanwhile, SEA eCommerce market is growing rapidly

SOURCE: Temasek, McKinsey, Government websites, Google

$1.0bn

$5.4bn

2015 2025

Singapore eCommerce

SG MNOs collaborates to offer Mobile Connect; addressing today’s

constraints and pursuing a common growth path

Singtel Starhub

M1

Nov 2016

Apr 2017

Nov 2017

Alliance formed among 3 MNOs

7 MOUs signed with leading service providers

Commercial launch

Icon made by Freepik from www.flaticon.com

United to co-develop use cases with consumers in mind

Unified platform; common API for ease of integration

Unprecedented access to the entire marketplace

United for Mobile Connect; Singapore set to benefit convenience and

security from a Single Username and Password

“The support by so many of Singapore’s top service providers, within the

short period of time since the solution was announced, is testament to the

incredible power and value of the Mobile Connect digital identity solution. We look forward to working with more service providers to deliver their

services conveniently and securely to their customers,”

Ms Karen Kooi, Chief Executive Officer, M1.

“This marks the first time the industry has come together to work on a

solution that brings convenience to both business owners and consumers.

Seamless, secure and convenient buying experiences are real currency in

our increasingly digital economy and we expect more businesses to jump on board and implement Mobile Connect,”

Mr Yuen Kuan Moon, Chief Executive Officer, Consumer Singapore,

Singtel.

"We are happy to receive strong support from companies that share our

vision of simplifying life using technology. As Singapore pushes ahead to

become a Smart Nation, we are jointly developing a digital identity

solution for businesses and consumers to enjoy greater convenience and

security in digital transactions. We believe the traditional norms of

managing multiple usernames and passwords will soon become history,"

Mr Tan Tong Hai, Chief Executive Officer, StarHub.

Singtel Starhub

M1

Icon made by Freepik from www.flaticon.com

Partnering with leading service providers to shape digital economy

Providing FOX fans with a quick and easy way to

start watching their favourite TV series, movies

and sports is an important part of meeting their

entertainment needs. We are continually looking

for ways to improve the experience we give

customers on FOX Network Group digital

platforms, so we are really excited to be a

launch partner in this innovative initiative,”

Rohit D’Silva, Executive Vice President,

Commercial, Asia Pacific and the Middle East,

FOX Network Group Asia.

“Mobile Connect makes it easier for consumers

to pay on their mobile devices by

authenticating, authorising or identifying

themselves securely with a single log-in solution

on our eNETS online payment gateway. The

enhanced security and convenience will

translate into higher online transactions for our

eNETS merchants. For NETS, this is one step

ahead in fostering greater seamless transactions

for online and mobile payments in the digital

world we are living in,”

Alvin Seck, Deputy Head of Business Services,

NETS.

“Since HungryGoWhere offers delivery and

takeaway services for our customers to order

and pay through mobile, the platform that offers

convenience of use and security becomes top

priority. Mobile Connect takes this to the next

level,”

Frank Young, Chief Executive Officer,

HungryGoWhere.

“SPH plans to enable Mobile Connect as an

alternative login option under its ‘mySPH’ login

system. With Mobile Connect, customers will be

able to log in quickly and conveniently to SPH’s

Mobile and Web services without the need to

remember their user name and password. This

simple yet secure authentication will greatly

enhance user experience,”

Julian Tan, Executive Vice President, Digital

Division, SPH.

“With the adoption of MobileConnect, Singtel

Dash can take seamless and secure log-ins to

the next level. We look forward to offering our

customers a seamless way to pay with their

mobile across retail, online and in-app

merchants. Such convenience will help

accelerate the adoption for mobile payments

and is a boon for the mobile payments industry.”

Miss Gan Siok Hoon, Vice President of

mCommerce at Singtel’s Consumer Singapore

Singapore

Thank You!

E [email protected] M +65 8533 3699

Jef NgSingtel Strategic Alliances and Partnerships

Mobile Connect &

T Auth. Solution

Dept./Date

Introduce

About SK Telecom

SK Telecom is providing T authentication services to MNO and over 26,000 service providers.

It provides the fastest and easiest interface and the know-how to the service providers.Convenience

Based on years of authentication and collaborative business experience,

SK Telecom will provide a stable platform that would construct a collaborative

system for MNO and Service Providers.

Cooperation

SK Telecom is South Korea’s largest telecommunications carrier,

providing 600 million authentications to 30 million users annually.

It has an extensive authentication experience in partnership with

public institutions and financial institutions such as banks and credit card companies.

Expertise

South Korea’s number 1

telecommunications provider

Subscriber :

Market share :

Sales Revenue :

About T-Authentication

AdultUnderage

Age

Authentication

Identity

Authentication

Ownership of device and

mobile phone number verification

Direct verification

without registration process

ID PWMember

ship

T auth. service that uses customer data owned by MNO

to authenticate the user’s age, identity,

and the ownership of mobile phone device

Not

Use

Not

Use

About T-Authentication

Brief introduction of the T-Authentication Service

Identity authentication application using mobile phone number that provides

easy, safe, and reliable services to end users and corporate customers.

Use case Log in, Sign-Up

Reset Password

Age Authentication

Log in PaymentUsed for authentication ofSamsung pay, Kakao pay, Naver pay etc.

Money Transfer Online banking

(e.g., transfer, loan

exchange)

Usage

technology Identity GateWayLoA 2, 3, 4

Biometrics Authentication

Korea

Status

Handling

62M Authentications

per Month

T Authentication

App Users 6.6M

26,847 partner

companies

*International mobile authenticaion standard

Process-T auth. App

여러 인증상황에서 동일한 인증 프로세스 제공

Log in(Sign-up)

Money Transfer

Payment

02. Authentication

procedure – Push notification

03. Authentication procedure - PIN

number or fingerprint input

04. Authentication completed01. Authentication request by

service provider

T Auth. supports authentication through the smartphone app

to ensure safer authentication.

Sign-Up

After you authenticate, Sign-Up is

complete.

Enter Email

Enter Password

Enter Password Again

I agree to the privacy policy

After you authenticate,

Sign-Up is complete.

Sign Up

Check

Sign Up

Enter Mobile Phone number

T Authentication

A new authentication has occurred. www.battle.net

2017.02.17

www.battle.net

2017.02.17

Process-SMS OTP

02. SMS receipt of PIN code 03. PIN code input01. Authentication request by

service provider

04. Authentication completed

Check the matching of T Auth.’s customer data

with the MNO’s customer data

If quick adoption is needed,

T Auth. supports authentication through SMS OTP.

PIN CODE

: 1234512345

SKT provided several “Value Added” services

T Credit Management T Stock Information

Fees : $3 / month

Launch : Jan, 2017

Registered Users : 70,000

Credit check and management of rating

Fees : $10 /month

Launch : March, 2017

Registered Users : 3,500

Daily stock market information from robo-advisors

Meanwhile, SKT could find meaningful sources of “Profit”

Case. 1_Banking Services

KB Bank could eliminate several layers of painful authorization steps

Simplified Authentication

Check information OTP authentication CompleteSMS authentication

Phone Number

SMS PIN CODE

010-123*-45**

Confirm

OTP Number

*****

Confirm

Simplified money transfer process (90s -> 15s)

Select Authorization

SMS PIN ARS

Confirm

completeCheck information T Auth. Authentication

*Kookmin Bank is the biggest bank in South Korea and has 1037 branches and 210 regional offices.

www.kbbank.com

2017.02.17

Case. 2_Online SP

Online service providers can reduce the customer attrition rate from 24% to 4% during the user registration stage

Input personal information

and sign up

User authentication request

sent to the user’s phoneT Authentication Sign-up complete

www.battle.net

2017.02.17

www.battle.net

2017.02.17

Welcome to 11st

Subscription to membership

is completed

11st HomeSign-Up


complete.

Enter Email

Enter Password






Sign Up

Check

Sign Up

Sign-Up


complete.

Enter Email

Enter Password





Sign Up

Check

Sign Up Sign Up


T Authentication

A new authentication has occurred.

* It is applied to around 26000 online SPs.

* Identity authentication is required to join Online Service in South Korea

Case. 3_Payment

T Auth. allows users to add payment methods quickly and safely and prevents identity theft issues.

Enter card information

and proceed registration

User authentication is requested

through T auth. app Card registration completeT Authentication

*Samsung Pay is the number one mobile payment service

The amount paid by Samsung Pay in 2016 is $ 3.94 billion

www.samsungpay.com

2017.02.17

www.samsungpay.com

2017.02.17

Card Registration

Card Registration

After you authenticate, Card

Registration is complete.

After you authenticate, Card

Registration is complete.

Card Registration

T Authentication

A new authentication has occurred.

Phenomenal Growth of Users After Launching the Service

SMS based Authorization Users

T-Auth. App User

Authorizations with SMS based T-Auth. service

Authorizations with T-Auth. App

T-Auth.App Open

6.6 million

8 million

2016.01 2017.052016.07 08 09 10 11 12 2017.01 05

1,200m

1,300m

1,400m

1,100m

1,000m

900m

300m

100m

50

m

55

m

60

m

65

m66 million

50 million

55 million

Monthly Uses Active Users of T Authentication

App version is Launched

In Aug. 2016

China Market Research


MNO Subscribers

China Mobile 856 M

China Unicom 266.3 M

China Telecom 221.53 M

China Telecommunication Market Status

Head Number

Population 1.387 Billion

Mobile Phone penetration rate 95%

Smart Phone Penetration rate 79%

Authentication Used In China

Service Usage

Car rental serviceOnline Booking

Ex. CAR Inc. (神州租车)

Banking service Money transfer, Bill payment

Online payment platformSign Up / Payment method verification / ID verification

Ex. Alipay, WeChat Wallet

Ride hailing serviceSign-up / Payment method verification

Ex. Didi Chuxing


MNO SubscribersT Auth, Expected user

(70% of all subscribers)

Number of annual

Authentications

Authentication

Unit PriceAnnual sales

China Mobile 856 M 599.2 M

20 $ 0.04

$ 479.36 M

China Unicom 266.3 M 186.41 M $ 149.13 M

China Telecom 221.53 M 155.07 M $ 124.06 M

Estimated revenue when introducing T Auth.

How Does SKT Build an

Ecosystem?

Economy of scale_1. Standard API

Provide Open Interface Spec. to all SP/Agent

Economy of scale_2. Backend Office Solution

Service Provider/Agent (Register) Operator (Approval)

Register, Approval, Contract, Signing, Payment—All in One Website

Economy of scale_3. Business Network

Over 26,000 companies are using T Authentication.

Quick Monetization _ 1. Reasonable price (per transaction)

Equal price to all SP/Agent

3 cents to 1 dollar per each transaction/data field

대행사 인증구분 O TP인증수단적용시작년월적용종료년월 단가2016-01 9999-12 33

2016-01 9999-12 46

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-07 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 46

2016-01 9999-12 33

2016-01 9999-12 33

2016-11 9999-12 33

2016-07 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 46

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-07 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 46

2016-01 9999-12 33

2016-01 9999-12 33

2016-01 9999-12 33

2016-07 9999-12 33

2016-01 9999-12 33

한국모바일인증 B2C

SM S사용LM S사용ARS사용O FFLINE사용DATAPUSH사용T인증사용미사용

드림시큐리티 B2C


다날 B2C


코리아크레딧뷰로 B2C


Quick Monetization _ 2. Big data Value Added service

SKT analysis Authentication + customer Data &

Providing Fintech service (Credit score, Asset Mngt.)

Security first

We care aboutLocation,

Pattern,

IP address,

Interval,

Etc.

We haveSIM based S/W OTP

SHA 512

AES 128

UICC authentication

Hacking detect solution

Proposal

제안조건포함

Building Verified money transfer services using Mobile ConnectMohsin TermezyHead Product, Strategy & Innovation

66TPSworldwideCompany/TPSworldwide

How about verified money

transfer to

a mobile number

rather than a

bank account number?

How about ATM withdrawal

from your account without

carrying your plastic card

with

you?

69

DigiCheQ is a global money transfer platform that enables you to

instantly remit cash to a verified mobile number. With DigiCheQ,

you can simply withdraw cash from an ATM machine without

having to reach for your plastic cards

DigiCheQ: A Cardless Money Transfer Solution

The Case for

Digitizing PakistanBeing a developing country Pakistan faces familiarchallenges when building a digital ecosystem.

Coverage

Ranked 4th in terms of broadband growth, internetcurrent penetration amounts to only 18%

Interoperability

Complete interoperability between commercialbanking & mobile money accounts

Devices

There are more than 141 Million mobile

connections in the country, but smart phonepenetration only 25%

Digital Bank

Growing 11,000+ ATM network adds to digital bankinfrastructure along with 300,000+ banking agents

Subscribers

Pakistan adding 27 MM subscribers will be amongst

the top 10 global markets by subscriber growth in2017

Trends & User Adoption – ATM GrowthBy 2020 the number of ATMs in the world are set to grow to 4.3 million

Source: World Bank, BIS Red Book, ECB, RBR, Accenture

34%

44%

Trends & User Adoption- Cost per TransactionCost per transaction and cost per replenishment will reduce as volumes increase

Source: ATMIA ATM Benchmarking Study 2016

Sender

Receiv

er

Initiator –

Banked Customer

Beneficiary visits

designated ATM for cash

withdrawal

Enter cell number of

beneficiary for verification

and processing

Enter CitizenID & DigiCheQ#

for verification and transaction

completion

Account Number replaced with Cell Number

ATM Card replaced with Citizen ID Number and DigiCheq

Number

DigiCheQ: A Cardless Money Transfer SolutionFor the Pakistani market, we have developed a solution to connect the banked to the unbanked

The DigiCheQ Infrastructure

INITIATION

CHANNELS

TELCOS

ATM NETWORKS

SENDERRECEIVER

ACQUIRING

BANKS

Licensin

gPaymentSystem

Integration

TransactionProcessing

ReportingReconciliationSettlement

DigiCheQ Payment Platform

I R I S

Better ATM infrastructure utilization New service and revenue line Reduction in ATM replenishment cost Cheaper than branch and agent servicing

cost

Monetization of customer data

Minimize dependency on Mobile Money Agents

High adoption in the Postpaid category

Broadening financial inclusion

Digital identity adoption Direct Benefit payments

24x 7 availability of ATMs No liquidity constraints

compared to Mobile Money Agents

Cheaper money transfer solution Secure delivery

DigiCheQ for Digital Ecosystem DevelopmentThe DigiCheQ platform offers a number of benefits to each of the stakeholders involved

New Use Cases & Service ExpansionThe service has the potential to be extended to multiple avenues

02

Utilizing Cash Deposit Machines

for Wallet Cash In, Account

Deposits & Money Transfer

Other Bank ATM & Agent payouts

04

Direct social payment

disbursements minimizing

dependency on agent

network

Government Benefit Payments 05

Migrant worker remittances

directly disbursed through

ATMs

Migrant Worker Remittances

03

Corporate micro payments to

contractors & daily wage workers

Corporate Cash Payments

01

DigiCheQ withdrawal using

shared infrastructure of other

bank ATMs and Banking

Agents

Verified Cardless Deposit

DevicesBy 2020, there will

be 3bn

smartphones in the

region

M-BankAsia will have close

to 1bn mobile

banking users by

2019

InteroperabilityAsia is home to 5

live interoperable

mobile money

markets

Coverage2.6bn people in

Asia are expected

to have mobile

internet

SubscribersUnique subscribers

are set to grow to

3.1bn from 2.5bn

Opportunity 2020: Asia Pacific

The Asia Pacific market offers a very

lucrative opportunity for the DigiCheQ

platform to tap into. Development of the

digital ecosystem in developing markets is

subjects to a number of challenges,

however, the extent of these challenges

varies from country to country. To achieve

the maximum potential of the digital

ecosystem it is imperative that these

challenges are addressed.

3bn

5bn

1.

1bn

3.

1bn2.

6

Build an Interconnecting Application Ecosystem Based on SIM Card Authentication

云业务互联网能力平台融合通信

通信增值类业务MM 应用商场创新类业务

Six Business Development Direction

CMIC Open PlatformCloud BusinessRCS

Mobile Market Value-added Business Innovative Business

实名制

互

联网数字标识1 2

Mobile Phone Real-Name System Mobile Digital Identify

基础认证互联互通权益服务

目前状况

Daily Active user

Monthly Active user

Daily Authenticat ion Frequency

Monthly Authenticat ion Frequency

The Developments

Basic authentication Interconnection Rights and Interests

互联互通：难账号管理：乱用户注册：繁

Problems in App Registration

Interconnection : difficultUser registration : cumbersome Account management : chaotic

Uniform Authentication：to Build an Interconnecting Application Ecosystem

静态密码

通行证号/手机号

密码

登录取消

短验认证

手机号

短验码

登录取消

获取

二维码登录

登录取消

SIM盾

支付取消

尊敬的招行：

您的卡号400**789

正在发起扣款申请，是否一键授

权支付。

【移动SIM盾认证】

移动商城

网络认证 IVR

语音识别

请说出你的口令

USSD

指令授权

尊敬

139****4977用户，你正

在授权***应用登录，请输

入你期初设置的指令。

确认更正

输入指令

本机号码一键登录取消确认

SIM卡应用：

尊敬的用户：您正在发

去sim卡快捷登录，请确认。

【中国移动】

SIM卡快捷确认

Eight types

可在不同网络条件下，快速实现用户身份验证

NetworkAuthentication

SIM CardQuick Confirmation

SIM Shield SMS Verification

Login Scanning QR Code

Static Password

Command Authorization

SpeechRecognition

Basic Authentication

真实号码Real Number

中间号Middle Number

手机副号Secondary Number

和通行证号AND Identity

@

UserBus inessmen

四套隐私保护方案

基于大网数据，判别用户身份

Privacy Protection


One-Key Password-Free Login


提高登录成功率，实现客户端、网页（短信链接、微信）全场景覆盖

应用需校验号码

A 138～～1111

B 130～～1111

C 133～～1111

App

服务端

发起校验数据

Sending Data for verification

校验（适用三网号码）

Verification

返回校验结果

Returning result

App

服务端

调用数据网关校验，帮助应用识别号码属性，返回校验结果

应用需校验号码结果

A 138～～1111 是

B 130～～1111 是

C 133～～1111 否

Local Phone Number Verification


快速识别本机号码直接进入智能链接，提升营销效率

Smart Link


覆盖“账号安全、售后客服、业务营销”等场景，提供安全、优质、精准的客户判定

虚拟号码

Virtual Number

真实号码

Real Number

更多号码

More Numbers

用户登录

User Login

A

防刷单模型Cheat-proof Model

用户信用刷单

A III 虚假

B I 真实

… … …

结果输出

Output

身份校验

Identity Verification

应用

Application

没有优惠No coupons

提供权益Providing interests

更多号码More

降低运营成本To Help Reduce Operating Costs

信用模型Credit Model

B

…

Trust-based Login


降低开发门槛，实现能力之间无缝调用

Ability to Interconnect

Interconnection

社交

通话

出行

办公邮件

公文

Social Networking

Email

Official Papers

Travel

Office

Call

降低用户登录门槛，实现应用之间无缝穿越

Ability to Interconnect

Interconnection

一站式应用服务 One-Stop Services for Applications

互联网权益的统一获取、统一管理、统一切换

Coupon Package

Rights and Interests

159～0009139～7450

139～7450

159～0009

一键换号

换号后新号码继承旧号码权益领取更多权益

手机号码认证

互联网计费

有数

有推

应用分发

广告平台

… …

中国移动开发者社区（dev.10086.cn）面向开发者提供更多能力申请、调用

More

Interconnected Ecosystem Connecting the World

中国联通数字身份业务发展

Development of China Unicom Digital

Identity Service

中国联通

China Unicom

2017.06

数字身份业务背景 Digital Identity Service Background

Verizon发布数据泄露调查报告，密码

成黑客主要突破口

Verizon released a report on data leakage,

which indicates password the major breach

网络安全法加强个人信息保护，支持电子身份

认证技术

Cybersecurity Law strengthen the protection of

personal information and supports E-

authentication

用户便捷登录需求依然强烈

Easy login need is still strong

互联网用户账户隐私安全形势愈加严峻，中国联通肩负社会责任，充分开放自身用户

安全认证能力，解决日益严重的互联网用户隐私安全问题。

MNOs have the responsibility to open their user authentication ability to

solve privacy leakage issues.

产品框架体系 Product Framework

合作伙伴Business Partners

个人用户Customer

汇聚

Integration

能力

Ability

连接

Connection

用户和伙伴

Users and

Partners

通行证Mobile

Connect

统一认证统一入口

Unified Authentication Unified Entrance

能力Ability

SIM卡认证SIM Applet

Authentication

生物认证Biometric

Authentication

NET取号认证Header

Enrichment Authentication

USSD认证USSD

Authentication

实名校验Real-Name Verification

二次卡能力Number

Reallocation Identify

……

SIM卡认证 SIM Applet Authentication

LoA2 LoA3沃邮箱

Wo-Mail

NET取号认证 Header Enrichment Authentication

首页取号Header enrichment authentication at home page

登录页面取号Header enrichment authentication at login page

生物认证 Biometric Authentication

基于SIM卡应用和指纹识别的双因素认证2FA with SIM applet and fingerprint

指纹识别在联通沃邮箱应用Fingerprint authentication on Wo-Mail APP

通过USSD下发手机验证码

Use USSD to send OTP

通过USSD交互进行身份校验

Use USSD to do authentication

USSD认证 USSD Authentication

合作伙伴Partner

联通CU

手机号码+证件类型+证件号码MSISDN+Type of ID Certificate+ ID Certificate Number

手机号码+证件类型+证件号码+姓名MSISDN+Type of ID Certificate+ ID Certificate Number+Name

手机号码+姓名MSISDN+Name

用户状态 User Status：在网/离网 Active/Cancel

在网时长 Active Duration：0~1/1~3/3~6/6~12/12~24/……

是否一致Comparison

实名校验 Real-Name Verification

老用户收不到验证码

无法更换手机号

Registered user

can not receive

verification code,

can not change

mobile number

新用户手机号绑定

问题

New user have

phone number

binding problem

发展新用户

Develop new users

保障前用户资金安全

保障用户隐私

Protect former user’s funds

and information security

二次卡能力 Number Reallocation Identify

USSD

二次卡 Number Reallocation Identify

NET取号 Header Enrichment Authentication

生物认证 Biometric Authentication

合作伙伴 Partners

SIM卡认证、NET取号互联互通 Interconnection

中国联通愿与合作伙伴共同努力，以通行证(Mobile Connect)，助力数字身份业务健康快速发展

China Unicom will promote Mobile Connect service with all partners

谢谢！

Thank You!

Date post:	07-Feb-2018
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