Nexo 2016 Annual Conference Arnaud Crouzet. Lessons learned in implementing and deploying standards

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Blaise Hamilton
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1 Nexo 2016 Annual Conference Arnaud Crouzet Lessons learned in implementing and deploying standards

2 Faire disparaitre, rendre l acte de paiement

3 Our journey into the standards

4 2012: our vision 1. The payment will go through many changes, which have to be integrated in the customer journey 2. These changes are technical, regulatory, security, with numerous innovations required 3. This requires flexibility, scalability, optimisation of costs, within a very high level of security. 4. For us as a merchant, it is time to rethink our payments, from the customer point of interaction, up to the acquiring. The payment must follow, must be driven by the evolutions of the customer relation!

An early adopter on standardisation actions March 2012: 1st

2013: 1st merchant to implement the new SEPA-EPAS standards in

(nexo) protocols for our new payment strategy.

5 An early adopter on standardisation actions March 2012: 1st merchant to join the OSCar consortium. 2013: 1st merchant to implement the new SEPA-EPAS standards in France then in Portugal we validated in the field the use of EPAS (nexo) protocols for our new payment strategy. EPAS pilot at Auchan s store France 05 th of June, 2013 EPAS pilot at Auchan s store Portugal 30 th of September, 2013

6 2013: We are confident in our vision We must remove the domestic and technical barriers on our various Auchan payment systems to achieve an open European solution on card payments, to reply to the needs of our customers.

7 We defined our key objectives Fully secured Platform PCI DSS certified and applications PA DSS certified Payment flows using P2PE (Point-to-Point Encryption), independently of the terminal One payment system for Europe (at least) Switch from domestics and proprietary payment infrastructures to a European and independent payment architecture Remove the local protocols by using one international standard, nexo A system scalable to follow our customers needs and our innovations Point of Interaction agnostic: terminal, mobile, interactive tv, embedded, Add any of our innovations as we wish, independently of any vendor roadmap constraints

8 We start analysing the market offers We were one of the first merchant to launch this type of project, but we were convinced (despite all those who told us that it was not possible )

9 Analysing of the market offers Step 1: European Central Payment server July 2013: Launch of the RFP. Several rounds, including POC «Proof of Concept» to demonstrate their capabilities to reply to the Auchan expectations at European level. July 2014: Unanimous decision to base the hart of our new acceptance platform on the ACI payment solution Step 2: POS Terminal September 2014: Launch RFP on the terminals (10 international vendors, including Chinese based companies) They demonstrated their capabilities to be connected with an independent platform (for 9 of them). This demonstrated the real possibility on a Point of Interaction agnostic solution. September 2015: Final decision to use the Verifone POS terminals, under a European agreement.

10 Launch of the project of integration

11 Launch of the project A first country as a pilot: France but also the most complex environment and many channels to take into consideration

12 High level architecture Cash systems line Active-Active Datacenters Acquiring banks Rapid checkout Self checkout P2PE Automatic Petrol stations Cabins Petrol stations Based on: nexo-fast nexo-retailer nexo-acquirer Drives automates Drives cabins Monitoring and alerts Reporting External dedicated hosting servers Full P2P Encryption Double MPLS network

13 New payment system at the automatic drive

14 New equipment at the Petrol Cabins

15 Cash systems line A totally new payment infrastructure at the shops Touch screen High display Secured and P2PE and based on nexo standards! nexo-retailer with the cash systems nexo-fast payment applications nexo-acquirer

16 Results

17 Results The deployment is currently in progress Petrol station closed to be finished Already several shops entirely migrated, full roll out in progress Drive migration in progress Nexo reply perfectly to our objectives! Fully operational Easy to adapt to our Auchan private cards Independent of the domestics constraints More and more acquirers are already nexo compliant Others are using gateway, for instance via STET nexo gateway.

18 P2PE remarks With P2PE, it is required to protect the terminals from being compromised, by setting a "chain of control" throughout the life cycle of the terminal All participants to that chain must understand and follow the obligations with P2PE: including field service, ). But P2PE is still new for many of our suppliers, especially the field service companies. Auchan supplied the main tools and trained them to understand the requirements links to the management of the P2PE security

19 Improvement of the time of the transactions 7% transaction time optimisation! Reminder: Full centralised outsourced platform (no local payment servers in the shops) Using nexo protocols Using Point-to-Point Encryption

20 Conclusion The use of the nexo protocols and nexo payment application is fully part of our European payment strategy.

21 THANK YOU

Nexo / IFSF Working together towards next generation standards

Nexo / IFSF Working together towards next generation standards Régis Massicard Technical Steering Committee co-chair, nexo European Payments Strategic Director, Ingenico NEXO ABOUT US nexo is a global