group New Digital Payment

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Randolf Hardy
7 years ago
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1 group New Digital Payment

2 NEW DIGITAL FEATURES OFFERTA NEW DIGITAL A new way to make payments. All kinds of New Digital Payments. In the last five years the penetration of mobile devices (smartphones and tablets) has undergone a dizzying growth. This trend has: New Digital Payments can be different in terms of the usage logics that stands behind the choice of the device to use, from which the payment is made, and the need of seller s physical presence. Lowered the Mobile Commerce entry barriers It caused an increasing usage of Mobile services Device usage Seller s presence Example Technology The mobile commerce in Italy. 8,3%,5% 70,% SOURCE: il Sole 4 Ore, 8 marzo 70,% ON WEBSITES 8,3% BY USING SMARTPHONE APP REMOTE The smartphone is used as a payment system (typically through dedicated applications, which use SIM credit or credit card PROXIMITY The smartphone is used as a payment system, even in case of NFC payments. Not needed NFC: Needed Non NFC: Not needed Parking, bus and train tickets,phone charge cards Products and service MSite SMS NFC QR Code Barcode Datamatrix,5% BY USING TABLET APP POS The smartphone is used as a POS through accessories and dedicated applications, becoming an active part Needed (it could become not necessary in case of further) Products and services mpos MAIN FINDINGS FROM SEPTEMBER 04 TO FEBRUARY 05, AMONG THE 6 MILLION ONLINE RS, THE 8.3% USED A SMARTPHONE APP AND THE.5% USED A TABLET APP.

3 NEW DIGITAL NEW DIGITAL Much more than a payment system. New Digital Payments solutions facilitate the achievement of Business and IT objectives. Different application architectures. The new types of Digital Payments are based on application architectures that differ in terms of component. BUSINESS SALES ACTIONS PROFILING (ie. E-Commerce) according to the customers behavior analysis. CUSTOMER SATISFACTION INCREASE thanks to the availability and the use of an innovative payment tool that has to be as smart & fast as possible. TRANSACTION COSTS REDUCTION thanks to the dematerialisation of payment receipts. REMOTE The customer is core of the payment system, which is conveyed by the mobile network (by using phone credit), or by the one time insertion of the credit card information. S TRANSACTIONS TRACEABILITY INCREASE and fiscal control. EFFICIENCY OF OPERATIONAL PROCESSES necessary step to offer mobile services to customers ( single touch perspective). IT PROXIMITY Payment is made by: recovering the required payment data by using a different external device than the (acquisition by QR Code, DataMatrix and BarCode) using the device instead of the credit card, via NFC technology S POS Combined utilization of the device and of a special POS, without connectivity, in order to: initialize the POS transaction act as the POS modem capture the customer s signature on the receipt

4 NEW DIGITAL NEW DIGITAL Main market products. Except for the Mobile Remote Payment, whose simple technological logics do not require the presence of out of the box products, the main market products are listed below. Lynx, advanced solutions. Mobile and Payments skills, coupled with the deep knowledge of the main market products, enable Lynx to offer its Mobile Payment services. PROXIMITY Main Market s products S These products provide the following ready to use components: 3 (or stub app) for customer use (or stub app) for seller use P3 Payment Gateway that interacts in an optimized way with applications OFFER LYNX FRONT END DEVELOPMENT AND APPLICATION EVOLUTION Lynx proven experience allows to provide advice on front end components design, development and evolution. In addition to that, any other relevant regulatory change in terms of payments is checked, whether it is an app or a msite 3 QUALITY ASSURANCE The customer is supported in defining the perimeter of application tests, as well as in the definition of the devices pool to be assessed. APPLICATION MANTEINANCE Through the definition of shared SLA and cand continuous evaluation techniques, an increasing product quality is guaranteed, even after the Store release. POS Main Market s products These products provide the following ready to use components: 3 Dedicated hardware POS (or software components) that interact with the HW Payment Gateway 3

5 Technology with an attitude. FOR INFORMATIONS CONTACT: PADUA Legal and Operative office Via G.B. Ricci, Padova Tel. +39 (049) Fax +39 (049) MILAN Operative office Via Privata Cascia, 6 08 Milano Tel. +39 (0) Fax +39 (0) ROME Operative office Via Piazzale Douhet, Roma Tel. +39 (0) Fax +39 (0) info@lynxspa.com

Ingenious Systems. Evolute System's. Mobile Payment. Initiative

Ingenious Systems. Evolute System's. Mobile Payment. Initiative Ingenious Systems Evolute System's Mobile Payment Initiative The Mobile Payment Concept A mobile payment is any payment where a mobile device is used to initiate, authorize and confirm an exchange of financial