The Phoenix Group PAYware Mobile Solution Overview

Transcription

1 The Phoenix Group PAYware Mobile Solution Overview Feb 2010

2 Discussion Topics Payware Mobile Solution Overview Payware Mobile Solution Components Secure Card Reader Payware Mobile Application Payware Connect Payment Gateway Reseller Console Merchant Console and Virtual Terminal Setup Process Questions/Comments 2

3 PAYware Mobile Solution Overview

4 Introducing PAYware Mobile from VeriFone PAYware Mobile Patented VeriShield Protect technology transforms iphone into a SECURE payment device Allows for easy acceptance of credit cards anywhere Allows for Card Present rates Simplifies cash management Captures previously missed sales opportunities Leverages Payware Connect payment gateway

5 PAYware Mobile Differentiators 10+ iphone Credit Card Acceptance Applications Already on the AppStore PAYware Mobile Advantages Security Simplicity Card Present Savings

6 PAYware Mobile PA-DSS Validated Mobile Application Supported Industries: Retail, Moto, Restaurant Supported Payment Transactions, configurable via Gateway: Sale, Pre-Auth, Voice-Auth, Credit, Tip Adjust, Void Customizable Receipt Capability Non-Sensitive Transactional Log AVS- Address Verification Support Real-Time Report/Inquiry with PAYware Connect Last Transaction Processed Transaction Search Daily Summary Supports all Credit Processors on PAYware Connect Online Help Supported Devices: iphone 3G, iphone 3GS Supported OS: 3.0 and higher 6

7 PAYware Mobile Solution Components

8 PAYware Mobile Solution Components PAYware Mobile Reader PAYware Mobile App PAYware Connect Gateway Merchant Credit Card Account 11

9 Secure Card Reader

10 PAYware Mobile ipay Reader Features Verishield Protect Secure Magnetic Head iphone 3G, iphone 3G S Support Integrated Retractable Capacitive Stylus Mini USB charging port Integrated Dock Interface Accessory Compatible with VeriFone PAYware Mobile Application & Gateway Solutions

11 VeriFone Hidden Encryption Explained Track data is encrypted at the mag-stripe reader via an AES based method that provides strong encryption. The algorithm reformats the data in a manner that the POS system perceives as unencrypted data. Standard Track Data Encrypted Data with format & routing preserved PAN The PAN and Discretionary Data fields are encrypted using two unique encryption keys VHE Encrypted Data VHE Encrypted Data Dual-Cipher Encryption

12 PAYware Mobile App

13 The App 13

14 Easy to use 14

15 Additional options 15

16 Payware Connect Payment Gateway

17 VeriFone Managed Payments & M-Retail Service Management Apps Asset Management Terminal Downloads Remote Key Injection Signature Capture Estate Management Gift Card Corporate HQ M-Retail Content Delivery Marketing Signage Kiosks MX-800 Taxis M-Gift Card M-Coupon M-Loyalty M-Payments M-Ticketing Client Services Services Injection Deployment Installation Help Desk Repair Training On-Site Projects Downloads Security PCI Security Remove POS from Scope VeriShield Protect CDMS No In-Store Batches Tokenization Processors M-Retail Content Signage Kiosks MX800 Pump-Top TV Taxis Individual Stores Managed Payments Processor 1 Processor 2 Processor 3 Etc. Payments Credit Debit Gift EBT Mobile Payment Devices SC5000 Vx 510 Vx 570 Vx 810 Vx610 Vx670 MX830 MX850 MX860 MX870 MX880 Payment Applications Dial Terminals Integrated Terminals POS Software Shopping Carts Other Applications Authorization Settlement Dial, SSL or IP Ethernet Mobile M-Retail M-Advertising M-Marketing M-Gift Card -Coupon M-Loyalty M-Ticketing M-Purchasing M-Payments

18 Reseller Console Features: Provides management of all VeriFone Managed Payments store configurations Provides management of all payment devices integrated into VeriFone Managed Payments Activate/deactivate devices Configure receipt format Provides management of all Reseller and Merchant console users Provides access to all Merchant reporting

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20 Extensive Reporting 20

21 Merchant Console Virtual Terminal

22 Merchant Console Reporting 22

23 Merchant Console Manage messaging to Customers Touchpoints with Consultant customers 23

24 Custom ed receipts 24

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26 Merchant Console Account Administration

27 Merchant Console Automation Settlement Options

28 Setup Process

29 PAYware Mobile Merchant Settings 29

30 PAYware Mobile Application Settings 30

31 PAYware Mobile Gateway Setup via iphone 31

32 Solving the Basic Incompatibility of Encryption Track Data Compatibility / Impact to POS VeriShield Protect (VeriFone Hidden Encryption ) Format Preserving Encryption = Track Data encrypted with Hidden Encryption(VHE) Clear Data = Clear Track 2 or Equivalent Data Triple DES +37% Payload AES +70% Payload 0xb524190b811cbe5cd550892da8168a4c7d5d651f50892da8 Track Data Encrypted with Triple DES (Three eight byte DES blocks encrypting track 2 data) 5d1ef20dced6bcbc12131ac7c54788aa6743C3D1519AB4F2CD9A78AB09A511BD Track Data encrypted with AES (Two sixteen byte AES blocks encrypting track 2 data)