Die Zukunft des M-Payment Düsseldorf, 25. Januar 2008 Andreas Johne
Agenda Brief company presentation M-payment with Near Field Communication Success stories with Page 2
Giesecke & Devrient From Printing Paper Securities to Providing High-Tech Solutions Security solutions and mobile applications Government solutions Cards for payment and telecommunications Banknote processing Banknote and security paper Banknote and security printing 1964 1852 1977 2007 Page 3
Near Field Communication () Enhances Mobile Devices Standard mobile device Mobile device with Secure Element Regular mobile device, e.g. phone, PDA User: keyboard, display Communication via GSM, UMTS, CSMA, or infrared, bluetooth, USB Build-in contactless interface: RFID antenna and chipset Short distance, wireless communication Operates as contactless card, or reader / terminal Secure Element Additional SE Secure Element SE to store data and cyptographic keys SE to run sensitive software programs, e.g. payment Page 4
Today s Focus on Mobile Payment with Page 5
Payment with Enriches the Contactless Point-of-sale In reader mode, device becomes a POS terminal Cardholder uses a phone instead of contactless card Today s situation: Classical contactless card at point-of-sale Contactless card Two devices: peer-to-peer mode card mode Januar 25th, 2008 Page 6
Mobile Payment Applications with Secure Applications P2Ppayment Direct Internet Payment Over-the-air perso Ticketing, transport EMV: Visa, MasterCard Authentication, shopping POS terminal Mag-Stripe Contactless Time Existing Near future Ideas for the long run Page 7
Mobile payment is a huge team play All stakeholders involved need to pull in the same direction Chip vendor Payment scheme Phone vendor vendor SIM vendor Trusted 3rd party Acquirer Mobile operator Issuing bank Perso bureau Terminal Vendor Telco Consumer w/ phone Retailer, or vending machine Payment Vendor Page 8
Personalization of Payment vs. Conventional Card Issuance Initial Situation Card perso bureau Bank / card issuer Perso Data Mail delivery Bank customer Secure production Issuer host Instant issuance Payment card In-branch perso Electrical and optical card personalization at front-desk Page 9
Secure Chip Management and Personalization Solutions for Bank / card issuer OTA perso service Remote via GSM Network Additionally: Application life cycle management Activation, installation of applications Personalization Device management Perso Data Bank customer Perso data center + OTA server Instant issuance mobile Contactless via interface In-branch perso Page 10
Some of G&D s Success Stories with Page 11
The Future of M-Payment Today Tomorrow Future Today we easily adopt existing technology, e.g. EMV run field trials an pilots, and we will see more become aware of the huge overall complexity gather a lot of experience: learning by doing refine the business case and their opportunities Page 12
The Future of M-Payment Today Tomorrow Future For tomorrow we need to define global standards, rules, approval regulations define roles, responsibilities and ownerships deploy contactless infrastructure at the point-of-interest equip mobile device models with a secure interface implement customer-centric service infrastructure (e.g. device change/loss, multiple cards, lifecycle mgmt) keep the usage of payment simple and safe Page 13
The Future of M-Payment Today Tomorrow Future In the future we may fully adopt mobile technology in our community find contactless and RFID technology anywhere and anytime utilize mobile devices to authenticate ourselves make person-to-person payments with converge payment with other applications and devices (e.g. ticketing, entertainment, consumer electronics, physical access, retail, logistic, wireless networking, etc.) Page 14
Andreas Johne Dipl.-Inform. (FH) Product Manager Division Payment Giesecke & Devrient GmbH Prinzregentenstrasse 159 P.O.Box 80 07 29 81607 Munich, GERMANY www.gi-de.com Telephone +49 89 4119-2964 Fax +49 89 4119-2483 andreas.johne@gi-de.com Page 15