Mobile payments trends. Wincor Nixdorf Miloš Jun, Solution Architect Technology & Architecture Wincor Nixdorf, s.r.o.

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1 Mobile payments trends Wincor Nixdorf Miloš Jun, Solution Architect Technology & Architecture Wincor Nixdorf, s.r.o.

2 MasterCard Mobile Summary Developed and operated by Wincor Nixdorf for the MasterCard in Czech and Slovak region. Available for Android and ios devices. Application facts (as of 03/15): Launch: 02/13 Activations: Amount Merchants: more than 6000 Participated Banks: CZK / EUR ČSOB ČSOB SK Raiffeisenbank UniCredit Bank Česká spořitelna Slovenská sporiteľňa 2

3 MasterCard Mobile Basic Functionalities Secure mobile wallet for MasterCard and VISA cards Simple payment QR or In-App (externally launched) Easily adjustable payment limits Transaction History Simple way to backtrack the payments Filterable for greater usability Merchant List 3

4 MasterCard Mobile Payment Use Cases E-shops Payment Gateway of the Bank providing this type of payment In-App Payment DirectAPI Native mobile application of merchant uses Direct API and opens the Wallet mobile application on the same device In-Store Payment DirectAPI POS + SCO (TP.NET, TPi.SCAN) Aevi SmartPOS Donation Bill Payment QR platba 4

5 MasterCard Mobile TopUp Top up a mobile phone account/pre-paid card directly from the mobile wallet by simply tapping a button and sending money directly to the phone operator. The payment is authorized against the bank that acquires for the given operator. ČSOB O2 CZ Tesco Mobile BLESK Mobil Gorila Mobil Slovenská sporiteľňa O2 SK Telekom Orange Disney FunFon 5

6 MasterCard Mobile powered by MasterPass MasterPass MasterPass is a service that enables consumers to store, manage and securely share their payment and shipping information with the websites and mobile apps they transact with. By integrating with MasterPass, we will become one of supported payment methods in the MasterPass solution Our customers will be able to pay with their mobile wallet worldwide 6

7 MasterCard Mobile powered by MasterPass MasterPass Quick Checkout User Profile and Shipping Address are pass to Merchant New Wallet Functionalities User Profile Shipping Addresses Management Billing Addresses New type of payment 7

8 MasterCard Mobile HCE Contactless Payment Contactless Payment integrated into the MasterCard Mobile Q Uses WN HCE Tokenization Service Generates Virtual Card from dedicated BIN range of Issuer Manages additional data (e.g. Original Card Data) tied with Virtual Card which can be used for authorization on Issuer side Manages HCE Profiles Verifies Virtual Card and provides additional data for following authorization for Issuer Must be integrated into Issuer system Easy Contactless Activation Any card of an integrated Issuer (integrated with WN HCE Service) can be enabled for contactless payments. User can enable contactless payments on any activated card (the verification of the cardholder was successful), but only one card at a time may be enabled for contactless payments. 8

9 MasterCard Mobile HCE Contactless Payment PIN on Mobile Same mpin is used for payment and logging into mobile app Always mpin High Value Payment mpin only Always On Mode Whenever the mobile device screen is on, the mobile device is able to initiate a payment transaction Dual Tap for payment with mpin Supported by PayPass 3.0 Workaround for PayPass 2.0 9

10 MasterCard Mobile Roadmap Rebranding & Redesign MasterPass v6 Connected Checkout Express Checkout Q InControl 2016 P2P Payments MoneySend Q

11 Aevi SmartPOS Overview Mobile solutions for accepting payments using a mobile phone or tablet Allowing payment by credit card using a portable Ingenico icmp payment terminal Allowing MasterCard Mobile payment Available for Android and ios devices MasterCard and VISA certified 11

12 Aevi SmartPOS Basic Functionality Articles Quick payment using calculator Transaction History Statistics Export Card Payment PURCHASE, CANCEL, CLOSEBATCH, REFUND Electronic Receipt Support Signature for Mag Stripe 12

13 Aevi SmartPOS Roadmap Castles MP10 and MP200 terminal Q Simple POS complying with legislative requirements Merchant Identification Data VAT - Management Articles VAT, units of measurement, Article Number, EAN Support for Cash Acceptance Invoice/Receipt Generating, Printing Q EET project Q

14 Mobile payments trends Thank you for your attention Děkujeme za pozornost 14