mobile payments trends intervale solutions to be in the trend · global industry trends source:...
TRANSCRIPT
Kyiv
April, 2012
Mobile payments trends
Intervale solutions to be in
the trend
GLOBAL INDUSTRY TRENDS
1 Source: Gartner Research
2007 2008 2009 2010 2011 2012 2013 2014
Western Europe North America Asia/Pacific EMEA Latin America Worldwide
0.1
0.0
1.0
0.3
0.6
0.6
0.4
0.3
1.6
0.9
0.7
1.0
0.9
0.6
2.0
1.5
1.0
1.5
1.3
1.1
2.6
2.1
1.5
2.1
2.1
1.6
3.2
2.7
2.0
2.7
3.2
2.3
3.8
3.3
2.8
3.4
4.2
3.2
4.5
4.2
3.7
4.2
5.3
4.3
5.2
5.3
4.6
5.1
Penetration
Percentage of mobile users
TRANSACTION VALUE RESEARCH
2
245.7
35.9
23.4
16.6
2013
160.0
23.3
12.9
59.6
54.1
10.1
2012
101.0
13.4 6.5
39.0
36.4
5.8
2011
56.1
2014
+74%
85.2
5.7 2.9
21.6
23.5
2.5
2010
30.7
84.6
1.4 11.7
14.9 0.1
2009
2.6 1.3
0.5
6.6 6.6
0.5 15.5
Western Europe
North America
Asia/Pacific
EMEA
Latin America
Transaction value per region
USD Billion
Source: Gartner Research
GLOBAL COMPETITIVE ENVIRONMENT (1/2)
3
МТС Orange
Vodafone
(M-Pesa)
wallet PayPal
Master
Card
Mobile
Visa
Mobile
Wallet
Location Countries
of presence
Countries of
presence Countries
of presence Globally Globally
Russia,
Poland
Concept
design
Channels
Web
Mobile
Kiosks
NFC
Means of payment
Premium SMS
Cards
E-Wallet
Bank account
MNO Account
GLOBAL COMPETITIVE ENVIRONMENT (2/2)
4
Features available МТС Orange
Vodafone
(M-Pesa)
wallet PayPal
Master
Card
Mobile
Visa
Mobile
Wallet
Merchant billing
Payment templates
One click payments
and direct debit
Virtual card
Micro loans
Remittances
Bar- and QR-codes
Location based
services
Loyalty
Competitors develop their solutions to provide wide range of features and functions
MOBILE FINANCE IN RUSSIA
5
Big 4 (MTS, Megafon, Beeline, Tele2) provide the payment
service for subscribers (Payments from MNO account and
bank cards, multichannel access to the service) and agreed to
provide payments from MNO account for all market players
(including competitors)
MasterCard implemented MasterCard Mobile in Russia to
provide financial services for MasterCard cardholders directly.
Visa is about to launch the similar service.
Premium SMS-based financial services to be legally restricted
in 2012
PayPal to open subsidiary in Russia. Other global players to
follow.
WHAT IS MASTERCARD MOBILE PLATFORM?
6
Branded service for all
MasterCard/Maestro cardholders
that allows to make payments, top-
up providers’ services, money
transfers, issue virtual cards via
user interfaces of e-commerce/m-
commerce.
Additional services for basic
MasterCard products
Offering on-behalf service for
banks with optional customisation
and platform functionality under the
Bank’s brand for its cardholders
http://mobile.mastercard.ru
MASTERCARD MOBILE PLATFORM
7
MC
Mo
bil
e A
pp
lic
ati
on
Web Browser
iOS, Android
Mob Browser
SMS
Available services
Bill payments,
Top-ups for services
rendered by
telecommunication
providers,
Money transfers,
Pre-paid virtual cards,
On-line purchases.
Utilities
Internet providers
MNOs
Banks
(loan payments,
money transfers)
Internet shops Beneficiaries of
MoneySend transfers
Bank clients using
on-behalf service
MasterCard/Maestro
cardholders
INTERVALE AND MASTERCARD
8
Delivers and maintains proper
technology platform
Supports retail clients (CRM)
Cooperates with
counterparties on
technology and
business issues
Develops and
implements additional
features
Finances the Project
Provides the brand
Pushes the service
Defines commercial
policy
Defines additional
features to keep the
System up-to-date
MOBILE FINANCE IN UKRAINE
9
Widespread of Premium SMS – based payments
No material players in the market place for the time being
No legal restrictions for payment from MNO account. Recently
NKRZI obliged to provide Return of Advance for subscribers
Non-optimal taxation for Return of Advance, but it’s possible
to compensate it via customer fees
The market is empty, it’s waiting for players who understand
how to take this advantage
SOLUTION BENEFITS
10
Intervale delivers a universal Payment
Platform, developed as an open system
which supports multiple user interfaces,
payment means and payment recipients.
The Platform is constantly revised to
match up with up-to-date trends of
e-payment market.
Operator
SOLUTION ARCHITECTURE
11
Intervale
Mobile commerce
system
Operator’s billing
system
Acquiring Bank Acquiring Bank Acquiring Bank Billers
Payment
Aggregators
Billers Billers
Client interfaces
Mobile applications WAP и WEB SMS / USSD Scan barcode NFC Bank Card
Bank
account
Virtual Bank
Card Electronic money
Subscriber’s
account
Means of payment
Client profiles
Database
MAJOR CUSTOMERS
12
Beeline
Megafon
MTS
Uralsvyazinform
SMARTS
K-Cell
T-Mobile
Vodafone
TELE2 Subsidiary banks Societe
Generale and BNP Paribas
in partnership with Global
Payments
Visa
MasterCard
Belcard
Sberbank of Russia
Bank of Moscow
Raiffeisenbank
Rosbank (Societe Generale Group)
Gazprombank
Halyk Bank of Kazakhstan
International Bank of Azerbaijan
Mobile Operators Financial Bodies
INTERVALE GROUP OF COMPANIES
13
CJSC “Intervale”
Software Developer providing
remote financial transactions
Moscow, Russia
Intervale Kazakhstan
Branch office
Kazakhstan
Intervale Europe, Ltd.
Branch office
Czech Republic
Intervale Ukraine
Branch office
Ukraine
Intervale
Founded in 1999 Affiliated Companies
CJSC “SmartCardLink”
Mobile Service Provider
Russia
Intervale – Bel
Mobile and Payment
Service Provider
Republic of Belarus
INTERVALE SOLUTIONS
14
Intervale solutions are taken as a basis
for Recommendations of the International
Telecommunication Unit (ITU) in
conducting remote financial transactions.
Intervale is a Coordinator, official Expert
Editor of produced recommendations and
Rapporteur of the ITU Study Group “Security
of Next Generation Networks (NGN)”.
Standard requirements are
worked out in collaboration
with ISO and UPU.
CONTACTS
15
Mail /Location Address:
Joint-Stock Company “Intervale Kiev”,
Office 106, Melnikova street 83D, Kiev, 04119, Ukraine
Telephone/Fax:
+38 (044) 583–04–48
E-mail:
INTERVALE TODAY
16
Today Intervale is a major developer and provider of complex
solutions for conducting information and bank transactions
in open telecommunication networks
Intervale leads in providing services in m-commerce/
e-commerce both for commercial enterprises and for
individuals
Intervale’s dynamic growth is based on strategic approach to
interaction with the outer world and its information
environment, when integration of all market participants has
become the Company’s ideology
PRODUCTION ENVIRONMENT
17
Intervale renders the following
services on solution outsourcing
Intervale renders the following services on
solution outsourcing
Technical support for clients (partners) is available 24x7. The support is provided by phone, via e-mail and Web.
The system is located at the dedicated Data Centre, which has a high level of fire protection, power supply back-up, control of physical access to the equipment
The Company has all required documentation, following all regulations and procedures to meet PCI-DSS standards
SECURITY OF THE SERVICE
18
Security
Encryption
methods
Authentication
Authenticity
verification of the
application
Digital signature
Security of the Service is ensured by using two-factor
authentication, encryption, fraud restriction measures
Two-factor authentication is used:
− User authentication
− Application authentication
TDES;
RSA;
GOST (State Standard) algorithms may be implemented.
Data protection Encryption authentication and protection of data that are submitted via open
telecommunication channels are ensured by implementing symmetric and
asymmetric encryption methods.
Data integrity, impossibility of cancellation/altering transaction authorship
are ensured by the use of the digital signature
Mobile applications may be signed by Verification Center certificate, e.g. Thawte