Konferenční centrum České národní banky, 22.10.2014, Praha –Launch of the the Google Wallet…

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Mobile Payments

Budoucnost platebnch karet,Konferenn centrum esk nrodn banky, 22.10.2014, Praha

2

Company Profile

3

Who We Are

European payment processor (brand agnostic)

Founded in 2008

Located in Warsaw, Poland

Solely owned by MasterCard since 2012

Mobile payments enabler and innovator

Part of MasterCard Processing Group

COMPANY

PROFILE

4

What We Offer

Banks

Merchants

Service

Managers

Banks

Non-Banks

Issuers

SE-Owners

COMPANY

PROFILE

5

Mobile Payments

6

The first transactions, milestonesHistory of

MOBILE

PAYMENTS

1997 - 1st in the world Finland, Helsinky, mobile-phone enabled Coca Cola vending machines. The machines accepted payment via SMS.

1997 - 1st mobile phone-based banking service was launched in 1997 by Merita Bank of Finland (also using SMS).

1999 - Two major national commercial platforms for mobile commerce were launched. Smart Money

(Philippines) & NTT DoCoMos i-ModeInternet service (Japan).

2000 - Mobile-commerce-related services spread rapidly. Norway - mobile parking payments. Austria - train ticketing via mobile device. Japan - mobile purchases of airline tickets.

2006 1st NFC Phone - Nokia 6131

2011 Launch of the the Google Wallet Mobile App in September 2011

2013 - MasterPass

2014 Apple Pay

7

Products and services available

MOBILE

PAYMENTS

Mobile Money Transfer

Mobile ATM

Mobile ticketing

Mobile vouchers, coupons and loyalty cards

Content purchase and delivery

Mobile Banking

Mobile brokerage

Auctions

Mobile purchase

8

Card Payments Evolution

NFC

PAYMENTS

Magnetic

Stripe Card

EMV Card

Chip & PIN

Mobile NFC

Payments

Contactless

Chip Card

9

Mobile Payments - basic classification

Mobile

Payments

Mobile

Payments

Proximity

Payments

Proximity

Payments

Remote

Payments

Remote

Payments

NFC

P2P

MasterPass

MOBILE

PAYMENTS

10

Mobile Payments Tools - NFC, MasterPass

MOBILE

PAYMENTS

11

mHUB - interoperability

12

Trevica as a Mobile HUB

in the middleMMRPPAYMENTS

Middleware software for MasterPass and Service Managers (Wallet SMs).

One point of access to MasterPass services for all Wallet SMs.

Trevica will be responsible for integration, testsand activation processes of new Wallet SMs.

Trevica will pass to MasterPass proper URL of a new wallet during the

new Wallet SM

registration

process.

13

SP TSM - NFC Ecosystem

14

Trevica as a TSM

TSM: A New Role in the Mobile Payments Ecosystem

NFC

PAYMENTS

15

Four Types of Secure Element

NFC

PAYMENTS

SIM eSE SD HCE

16

Project at Market Level

Many agreements

with many parties

Many standards

and connections

High integration cost

& long launch time

TSM

Ecosystem

17

Trevica Simplifies the Model

One-stop solution

One agreement for

banks to access SEs

One technical interface

for the issuing Banks

One commercial

agreement for MNOs

TSM

Ecosystem

18

Case Study: Polish NFC Ecosystem

Strongest contactless

acceptance in Europe

Trevica is the single point

of contact for all parties

First commercial NFC

multi-bank setup

TSM

Ecosystem

19

One Agreement for All Services

OUR

SOLUTION

OTA Provisioning

Card Lifecycle Management

UI Management

OTA Provisioning

Card Lifecycle Management

UI Management

Payment Application

License

Payment Application

License

Secure Element (SE) Availability

Device Management

Secure Element (SE) Availability

Device Management

Agreement

Signature

20

The Future of Mobile Payments

21

FUTURE OF

MOBILE

PAYMENTS