Mobile POS and EMV Acceptance

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1 Mobile POS and EMV Acceptance A use case of EMV Payment on a Mobile device in the Logistic & Transport verticals Olivier Sery Country Manager & Head of EMV competence center

A device Setting the scene Windows Mobile or Android

Customer application (ERP connection, route

and gateway communications) A Pin Pad Chip or

2 A device Setting the scene Windows Mobile or Android light weight, integrated or ruggedized devices Customer application (ERP connection, route management) API/Library to enable payment (pin pad and gateway communications) A Pin Pad Chip or Magstripe cards. PCI PTS (PCI Pin Transaction Security). Secure PIN entry. Device hardened against physical & logical hacking. SRED module (encryption, Secure Read and Encryption of Data).

The User Experience Merchant: Open App From your mobile application select mpos function Merchant: Confirm Payment Confirm amount Merchant: Receipt Wait for authorization, choose to send the customer

3 The User Experience Merchant: Open App From your mobile application select mpos function Merchant: Confirm Payment Confirm amount Merchant: Receipt Wait for authorization, choose to send the customer a receipt (printed ticket, sms, mail) to complete payment process Cardholder: Pin Pad Ask the customer to insert their card into the pin pad, confirm the amount, enter their pin and press OK OR sign on the device screen.

4 Transaction Flow DATABASE Multi-function terminal ISSUER NETWORKS HTTPS/SSL /SSL3 ISO8583 and ISO20022 BlueTooth INTERNET NET ACQUIRER GATEWAY NETWORKS ACQUIRER Pin Pad

5 The values of a Payment Gateway COMMERCES BANKS TRANSPOR T PUBBLIC ADMIN. VENDING RETAIL PARKING CHANNELS ATMs Traditional POS Attended PINPAD Unattended PINPAD mpos E-commerce OTHER TAS SOTWARE: Adapter Adapter Adapter Adapter Adapter Adapter. ATM Management NET ACQUIRER NA Engine Business Rules Value Added Services Routing Rules Switch Terminal Management MOBILE WALLET Protocol Conversion Loyalty Monitoring & Reporting MY BANK NETWORKS OTHER NETWORKS BANKS

Transactions Monitoring: Multi channel. Real time.

6 The values of a Payment Gateway A Merchant centric solution Dynamic switching: Within a given network (e.g. Least cost routing ) Between Networks/Acquirers, countries. Transactions Monitoring: Multi channel. Real time. Value added services: Digitized Signature storage Dynamic Currency Change (DCC). Wallet & Recurring payments (CNP). Loyalty & Non financial information storage. Closed loop cards (prepaid, gift). Remote Terminal Management

7 The Values of a Payment Gateway A dedicated resource focusing on achieving the transaction and integrated within the Acquiring ecosystem. One integration: Direct integration with the POS management software via a library or app allowing: To capture the amount to be charged Real time feed to the ERP of the payment result Same architecture and hardware for all the networks. Pin pad agnostic: Pin pad are managed by a software layer allowing hardware to be interchanged with no impact. The pin pad does not have to support the network protocol (the gateway manages the protocol).

8 Enough technicalities the use case Our focus: Merchants or Logistic companies with a at your door step payment issue People transport services with payment at service start (buses) at end of service (taxi) Some peculiarities Need to reduce exposure to fraudulent cards and cash management for risk and cost (multiple trips to the bank or dedicated service) Rugged environment and low technical expertise of users Existing POS, Dispatch, Route management, ERP integration solutions to squeeze the payment process in Existing Hardware and 3G connection

9 Some conclusions at this stage The technology Some positive EMV level 2 and PCI PTS 3.1 meant to last Durable Easy to replace the pin pad (decoupling & online parameters download) Easy update of the application Offering SMS or receipts saves on the printer cost And some character building Bluetooth is not a perfect technology Two devices, two batteries ISO 8583 flavors and network peculiarities SMS or receipts are OK for medium/high amounts but hard to justify and too slow for transport services

10 Some conclusions at this stage The Business Some positive One interface per person (merchant device / customer pin pad) Integrated with ERP so no need for heavy reconciliation Cost effective vs a GPRS solution and With volumes come lower costs on the pin pad Identical customer experience thanks to Gateway services And some character building It is hard to change an habit (Low transaction volumes at start) Swap service, buffer stocks and phone support Cost of the pin pad

11 What comes next? Additional Services at Gateway level DCC Recurring Payment enrolment Contactless interface Tactile Pin pad Communication with the cardholder for services or promotions. Direct signature capture 11

Empower your business TAS Group is the strategic partner for business innovation in Payment Systems, Cards and Financial Markets 30 years experience More than 500 experts More than 150 customers

12 Empower your business TAS Group is the strategic partner for business innovation in Payment Systems, Cards and Financial Markets 30 years experience More than 500 experts More than 150 customers Olivier Sery Country Manager & Head of EMV competence center Listed in the Italian Stock Exchange, TAS Group operates globally and has direct presence in Europe USA and Latin America 12

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