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Mastercard camerjam mobile finance masterclass
- 1. James Davlouros
May 24, 2011
Mobile Finance Masterclass
24th of May 2011
©2011 MasterCard.
Proprietary and Confidential
- 2. Mobile commerce is developing rapidly...
2014 Market Growth = $375bn*
(2014 Actual = $664bn)
Mobile Money Mobile Contactless
DESCRIPTION: A money transfer between two mobile phones DESCRIPTION: Mobile contactless payments within a physical
which can be redeemed for airtime, cash, or used to pay for $42bn retailer at POS. Card emulation (to replace card, cash and
bills or goods by receiving parties. International = 66%, cheque) and delivering value-added services along the
(2014 = ~ $60bn
Domestic 33% of transaction value. purchase journey
$48bn)
(2014 = $60bn)
PLAYERS PLAYERS:
Telcos
~ $153bn
$120bn
Banks
(2014 = $408bn)
(2014 = $148bn)
e/m-Commerce – Physical Goods e/m-Commerce – Digital and Virtual Goods
DESCRIPTION: Use mobile device to make payment over the air for physical goods DESCRIPTION: Purchasing music, tickets, games, gambling, content e.g. TV, applications
(equivalent of online payments)
PLAYERS: PLAYERS:
(* Forecast volumes provided by Juniper Research a business intelligence analysis group focussed upon the communication sector)
©2011 MasterCard. March 22, 2011
Proprietary and Confidential Page 2
- 3. Disruption due to New entrants in
payment space
MNO initiatives (bank independent) Operating Systems’ initiatives
Feb 4th 2011: O2 UK Dec 6 2010: Google & Samsung
O2 seeks an e-money license for bank Google has announced the launch of one of the
independent P2P and mobile commerce wallet world's first NFC smartphones with embedded
launch in 2011, to be expanded to NFC at later NFC, the Nexus S, which supports the
stage. company’s new Android operating system
version, Gingerbread.
Dec 16 2010: Orange France Feb 8th 2011: Vodaphone signs WW
Orange has announced its ambition to equip agreement to distribute Nexus S !
500,000 clients with NFC phones by end of 2011.
Apple…
Feb 8 2011: Buyster Strong rumours that Apple’s iPhone 5 has
France’s leading operators, Orange, SFR and Bouygues postponed embedded NFC and will be based on
Telecom announced JV to launch Buyster through Atos, a i-Tunes wallet
remote payment system with own acceptance brand
Feb 9 2011: Belgian operators
Belgian leading operators announced plans to launch a 9 Feb 2011 Nokia and Microsoft alliance
remote and NFC payment system Nokia decided to use MS ‘Windows phone 7
Operating System, dropping Symbian.
Plans to issue
March 2010: Deutsche Telecom buys
Android has overtaken Symbian as the world’s
ClickandBuy
largest OS in January 2011.
Deutsche telelcom buys a leading e-
commerce wallet
©2011 MasterCard. March 22, 2011
Proprietary and Confidential Page 3
- 4. MasterCard Mobile Services Strategy
Core Payment Services Mobile Value Added Services New Mobile Payment Services
Proven products Utilize mobile’s Utilizing the
and capabilities that flexibility and mobile platform to
add new utility immediacy to add deliver convenience
to traditional supplemental value and control
payment channels to core solutions Remote Payments,
Contactless Alerts, Apps, Mobile TopUp,
(Mobile PayPass), Mobile Offers P2P/Remittance
and Coupons
©2011 MasterCard.
Proprietary and Confidential
- 5. MasterCard Mobile Services & Products
Core Payment Services Mobile Value Added Services New Mobile Payment Services
Mobile PayPass Location Services MasterCard MPG
Phone applications for ATM
MOTAPS Mobile Payment Gateway
locators and offers based on
Over The Air Provisioning A turnkey mobile payment processing
your location
Service, for instant issuance platform that allows issuers, acquirers,
and control. Single connection Mobile CAP merchants and mobile network operators to
enabling you to provision all quickly and cost-effectively provide
Receipt of a dynamic CAP token
your financial applications customized mobile solutions
based on either two factor
Mapping Service authentication MoneySend™
Instantly issue PayPass cards Under development Person-to-person transfers
to phones, associating them to
Mobile Offers Enable consumers to send money to each
an existing consumer card
Phone applications providing other by simply entering the recipients
Mobile TAGS information on offers based on Mobile phone number
An easy and convenient way to location (Next Jump integration)
roll out PayPass capabilities to
the phone with PayPass TAGS Others
Alerts, Money Management, etc.
The Mobile Convergence Solution
Bridging together Proximity, e/m-Commerce and remote payments
Standards and Approvals
Standard Test and approval process for all 3rd party software and hardware components
Partner Program
An ecosystem player forum and a repository for all documents related to mobile payments
©2011 MasterCard.
Proprietary and Confidential Page 5
- 6. Value add services that utilize the mobile device to add
supplemental value to payment and shopping experience
Offers with Money Send Applications Mobile CAP
MasterCard Marketplace for Smart phones for eCom transactions
Location Restaurant inControl Card Management Location based Services
Offers in Italy via mobile applications for events
©2011 MasterCard.
Proprietary and Confidential
- 7. An Overview of MasterCard
Mobile Momentum
Pioneer mobile phone debit payments in the Enable customers to make contactless payments
Fully-integrated on-demand person- United Kingdom, using Maestro PayPass via phones with MasterCard PayPass
Tags on Blackberry Rollout to-person mobile payment service
SMS alerts and notifications
Partnering in the development of a Mobile
Payments proposition that focuses
specifically on consumer convenience
Commercial Launch of Mobile NFC
using MFLEX Antennas
200 phones payment pilot in
partnership with ViVOtech
First Market Trial of Personalised
NFC-Enabled Mobile Phones
First large scale deployment of PayPass in
Turkey’s first mobile phones, enabled a mobile phone (60K Customer)
with MasterCard PayPass
Issuing Mobile TAGS to the
consumers in the USA
Custom technology trial of Near
Field Communication and MTA
Turkey’s first mobile phones, enabled
Commercialization of mobile with MasterCard PayPass
payments using NFC technology
First trial in Taiwan to make
Mobile Payment Gateway in Latin use of NFC smart posters
America enabling consumers to pay and m-coupons
bills and top-up air time First Mobile Pilot in India (Bangalore) using
First trial of PayPass-enabled mobile Mobile PayPass
phones for secure EMV payments
©2011 MasterCard.
Proprietary and Confidential
- 8. Contribution to industry standards setting
• EMVCo: Chip payment specifications
– Common Contactless Interface (for PayPass cards and mobiles); Terminal Specifications
(including mobile); Application selection on mobile; UICC profile; handset requirements
• NFC Forum: NFC Contactless specifications
– Technical Committee Chairmanship
– Lead development of digital and analogue specifications for compatibility with PayPass
– Major contribution to test cases for compliance program
• European Payment Council, M-Channel WB:
– Contributing to work on contactless mobile payment and remote mobile payment
• AEPM: French specifications for contactless mobile payment
– Developed French implementation of Mobile MasterCard PayPass M/Chip supporting AEPM
requirements while using standard PayPass terminals for interoperability
• GlobalPlatform: Smartcard standards
– Monitoring Mobile Task Force
– Contributing to other mobile payment related developments through EMVCo, including
Composition Model for Security Evaluation
• ETSI Smart Card Platform: SIM Card specifications
– Member of ETSI. Monitoring SCP, and contributing when it is felt that work is closing off options
for banking and payment deployment
©2011 MasterCard.
Proprietary and Confidential
- 9. MasterCard support
• Publications
– Mobile MasterCard PayPass M/CHIP Issuer Implementation Guide
– PayPass for Mobile Specifications
– Reference User Interface for Mobile MasterCard PayPass
• Project support
– Product specialists & technical experts
– MC Advisors (for heavier projects)
• Marketing support
– Marketing Templates for Mobile MasterCard PayPass Tags
– Reference User Interface for Mobile MasterCard PayPass & MPG
– Demonstrations of Mobile Payments (M/CHIP 4) for payments
– Demonstrations of Mobile Payments and inControl integration solutions
– Demonstrations of Mobile Payment Gateway mobile solutions
http://www.mastercard-mobilepartner.com/documentation.html
©2011 MasterCard.
Proprietary and Confidential