David Robinson, VP, Emerging Business speaks on Rogers and Mobile Payments at CTS 2012.

1. Rogers & Mobile Payments
CANADIAN TELECOM SUMMIT | JUNE 4, 2012
David Robinson, Vice-President, Emerging Business
Rogers Communications Inc.

2. Where we are today …
Recent announcement with CIBC
CIBC and Rogers Communications
announced an agreement to launch
Canada's first joint mobile payment
solution,
Solution will allow Canadians to pay
with their CIBC credit card at the
checkout counter using their Rogers
"Near Field Communications" (NFC)
enabled smartphone

3. Rogers Vision for Mobile Proximity Payments
• Canada is unique in the world in its “readiness to scale”, with
the most advanced contactless card issuance and acceptance
ecosystem in the world.
• The mobile proximity payment ecosystem that Rogers will
offer to merchants and consumers utilizes the same
contactless card terminals currently used by merchants.
– These contactless card terminals will recognize a mobile
devices in the same manner they recognizes a credit card
today, therefore, if a merchant already has such a terminal
new hardware will not be required.

4. What will a “SIM based” Mobile Wallet Look Like?
The initial objective is to make a smartphone “look like” a payment
card to existing point-of-sale equipment.

5. The SIM as the “Secure Element”
The UICC (or SIM) is a cost-
effective, secure, card storage
facility, with the added benefit
of platform portability and
global carrier support.

6. The SIM as the “Secure Element”
Because the platform is built to the security standards of global
payment networks, it can be used for virtually any credential
Virtual cards create a
growth opportunity for
issuers who are willing to
use the new channel to
expand their market share.
A mobile wallet can contain
payment cards of all types –
Credit, Debit, and Pre-paid.
Pre-paid cards may play
the role of “cash” in the
mobile wallet.

7. The Mobile Wallet
Use your transit pass to
get on and off transit
systems.
Secure government
issued ID will reduce
costs, and increase
personal privacy.
Banks, government
agencies, and others will
rely on secure digital ID.

8. The Mobile Wallet Cont’d
Merchants prefer to store cards
over any other payment type
because they create customer
loyalty, pay lower fees than credit
cards, and have lower cash
handling cost.
The mobile wallet will materially
lower the barriers to store card
distribution.
The only payment type merchants
like more than store cards is gift
cards, because they drive
customers to their store, get the
cash up front, and pay the same
low fees as store cards.
The mobile wallet will materially
lower the barriers to gift card
distribution.

9. The Mobile Wallet Cont’d
Building Access is a good
example of a credential that
needs to be secure, and should
be on the UICC. By removing the
UICC from the phone you are
guaranteed the credential is not
usable.
Canadians use coalition reward
programs more than any other
country. Virtual versions of these
programs will increase usage at
merchants by eliminating the
inconvenience of carrying
multiple reward cards.
As well, mobile applications can
automatically remind users to
present the card, increasing
loyalty to merchants.

10. Issuers will have the option to connect directly, or via aggregators
Credential Issuers SP-TSM Aggregator Secure Element
Smartphone
Managers
RIM
Apple
Option 1: Direct Connections • UICC
Android
Windows
Option 2: Aggregate Via:
RIM
Option 3: Aggregate Via:
Apple
• UICC
Android
Windows
Option 4: Aggregate Via:
RIM
Apple
• UICC
Android
Option 4: Aggregate Via:
Windows
Ideally, the ecosystem will support the distribution of hundreds of millions of credentials, from
thousands of issuers, to virtually every smartphone in Canada