Bank. CA$H 2.0 Contactless payment cards

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1 Bank CA$H 2.0 Contactless payment cards You can call it 'cash 2.0': a new age of wireless payment technology that may replace even the smallest cash transactions in the coming years with the wave of a credit card or mobile phone. [CASH] 21 csc/55 pos US 2007 SCA This almost silent revolution in cash management is happening now and the transition from hard cash to contact less smart card is only the first step 1

2 Entities Smart Cards Acquirer Merchants Reader mfc. CCC/CIB Customer Courier service Current eco-system Every attempt in the past to break up this four have failed, and will fail! Entities NFC Acquirer Merchants Reader mfc. CCC/CIB Customer Courier service Acquirer Merchants Reader mfc. CCC/CIB Customer This might work TSM = Trusted Service Manager MNO = Mobile Network Operator CCC = Credit Card Company CIB = Card Issuing Bank UICC = New SIM card NFC Chip mfc TSM Handset mfc MNO UICC mfc 2

3 Facts Contact less card Business Model On-line & User I/F Trigger Retail 3

4 Background You will pay like this regardless of what operators will do. (Operators don t need to pay for it, and they can t stop it!) However, we might be able to interest all involved parties to transparently do like this! Contact less ticketing solution currently used in Tampere. Mobile phone ticket purchase with the same pos-terminal! Significant triggers in the public transport sector Existing Sales systems operated and maintained by the bus operators Proprietary systems No joint use No co-operation between vendors National vendors No co-operation between system customers Equal access problem Near future Outsourcing, service models Standards open systems Joint ( tariff ) use International vendors Co-operation between system customers, even formal Demand for real-time systems (GPRS / 3G mobile data) VAS becoming more relevant (Mobile / NFC, Infotainment etc.) 4

5 Outlook - Retailing Access 5

6 Business, CUG & lean/efficiency MAKE RESERVATION Phone call, Internet, NFC tag SMS CONFIRMATION Room number, key, location, other info ENJOY VISIT Service by a touch! CHECK IN skip front desk! Community 6

7 Telia Kvittens Quality secure a process Who have done what when Personal safety The ability to learn/improve Lean process, less admin Foundation for the future MNO Managed service Summary 7

8 Do the users want it? Initial user feedback The GSMA commissioned consumer survey of >2,500 people across 17 countries 76% would use their mobile to pay for mass-transit tickets 71% would use it for their weekly supermarket shop 69% would use it for restaurant bills 52% expect to adopt mobile payments within one year of availability 67% expect to adopt it within the first two years Ticketing (+CAI) Germany: Nokia & T-Mobile, Trial -07, Deploy -08 Value proposition to the customer! Enterprise Consumer Generally for contact less payment (EMV) Consumer spending increase Increased size and frequency of transactions Customer checkout time decreases significantly Less cash -> cost saving Better security thru smart card deployment Higher customer satisfaction Mobile phone contact less solutions adds Full automatic self-service. Less pressure on installed card sales systems. Reduced investments in card sales systems. Over-time the possibility to reduce card sales system. Cards are near-by online; customer dialogue/information and future services. Possibility to more flexible price plan. Loyalty management Instant gratifications/failure cash back. Locked accounts (municipal services) Comply with new EU regulations. (Ticketing) Financial support Managed service/in-sourcing offer General for contact less payment (EMV) Improved convenience. Improved security. Mobile phone contact less solution adds Fewer (no) cards (or cash) to carry around. Value top-up, balance, history and general management available both directly on the phone as well as through any web-capable device. Direct on-line channel to the issuer. Enhanced security; pin, wpki. Prepared for future context aware services. Self-service Your new Wallet! Pay with a touch. 8

9 Technology available Technology available User interface Keyboard and display SMS, IP channel Over the Air management Application communication with backend systems or with other users UICC as a Secure Element Multi application platform Interface to application CPU Interface to NFC Application CPU Multi application platform Over The Air management Interface to Secure Element Interface to NFC NFC interfaces Card Emulation NFC tag read/write Peer-to-Peer Application CPU UI MIDlet NFC controller V.S. Card emulation Read/Write Peer-to-peer SMS, IP OTA mgmt 9

10 Japan DoCoMo 10

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