kentpay
TRANSCRIPT
Multi-Purpose EMV Certified Contactless Smartcardkentpay
Guliz Ozturk, International Marketing ManagerOctober 2013
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Contents
Project General Usage Areas Why Multi-Functional City Card? Specifications Application General Structure Benefits Implementation
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Project General
Kentkart is market leader in Turkey with 3000 smartcard top-up points and 12 milyon prepaid contactless smartcards since 1998.
Goal: To be market leader in small payments sector through interoperable City Card Applications.
Project Time Line: Kentkart started to develop city card application 2 years ago.
Project Partner: MasterCard M-Chip Advance
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A Multi-Purpose City Card System
Online/Offline EMV payment Public Transportation Parking application Loyalty services Internet usage Event ticketing Recreational activities Social support card
Usage Areas
Conformity with global specs Valid all around the world Withdraw the remaining balance Fulfilling transportation need
(last check-in – line information, season ticket, discount information, etc.)
Works with contact or contactless Fast and Secure Can be personalized Physical or Digital money wire
transfer, EFT and over POS refill Secure PIN protected Wide logging infrastructure
Why Multi-Functional City Card?
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Project – Specification
Card Contact/Contactless EMV Mastercard Mchip Advance technology No-name, prepaid Interoperable storage management on IDS (Integrated Data
Storage) Business Model
Cooperation with a Bank, Public transport operator, Payment Processor (Bank IT) Company
A new BIN is obtained from MasterCard Public transport IDS application is managed by PTO EMV host side transaction processing, switching and clearing
is handled by processor company
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Project – Application Payment Management
Chip and host balance are seperated Chip balance is personalized for transportation only (offline
transactions) Host balance is used for other payments (online transactions)
Data Slot Management Permanent slots are for co-partners (will be opened under
contract) Volatile slots are for general usage
Users’ Card Management Web based portals Query Balance and usage info Internet top-up by credit card
Loyalty applications Special discounts at partner merchants
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Project General Structure
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Benefits
Mobility and shopping with a single card No-Name EMV Pre-paid Payment Focus on young users which have no credit card
and eager to make internet shopping Safer to use on internet/mobile as money loss
risk is prepaid amount
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Benefits
Interoperable transport ticketing between different Public Transport Operators
Allows different application providers (parking) use volatile slots without making an agreement
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International Interoperability
Open to international contactless offline EMV transactions Money shall be deducted from chip balance 5 different currencies (€, $, etc.) defined for chip
balance (accumulator) Open to international contactless online EMV
transactions Money shall be deducted from cardholders account
Operators can use available volatile slots for storing transit related data
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Inspection
Inspectors need to get proof of payment information either from card or from host
Storing transit ride log inside the card Data slots Transaction log records (Terminal proprietary field)
Checking from host Terminal can send prepaid card transactions to host immediately Inspector can check transaction information of the card by going
online and getting the card ride report from host
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Implementation
Project pilot on July 2013, Mersin,Turkey Population 1.6 million
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THANK YOU ...
Guliz OzturkInternational Marketing Manager