panel: mobile payment - challenges and directions for global services andrás vilmos project manager...
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Panel: Mobile Payment - Challenges and Directions for Global Services
András VilmosProject Manager SEMOPS
Managing Director SafePay Systems [email protected]
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AgendaAgenda
• SEMOPS
• Market analysis
• The right service
• The future
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The SEMOPS projectThe SEMOPS project
Development and introduction of a Pan European payment service
– technology design
– technical development
– elaboration of standards
– definition of security framework
– preparation of EU conform legal regulation
– definition of business model
Introduction of the service
– pilot operation • Hungary, Greece
– preparation of other demonstration sites
One of the largest mobile payment projects:
– 24 months
– 4 countries
– 15 participants
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EnvironmentEnvironment
There is no suitable payment service!. What there is, is either:•not user friendly•not secure•not recognized
There is no suitable payment service!. What there is, is either:•not user friendly•not secure•not recognized
Customers are distrustful.Customers are distrustful.
Assortment is limited.
Assortment is limited.
SLOW DEVELOPMENT OF „E” AND „M” COMMERCE.SLOW DEVELOPMENT OF „E” AND „M” COMMERCE.
THE RIGHT SERVICE CAN SUBSTANTIALLY CHANGE
THE OUTLOOK OF THE INDUSTRY.
New products and services will be
available.
New products and services will be
available.
New customers will be making purchases.
New customers will be making purchases.
New transaction types will appear.
New transaction types will appear.
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The SEMOPS’ SafePay modelThe SEMOPS’ SafePay model
CooperativeCooperative- open- open
CooperativeCooperative- open- open Universal
Universal
Sta
nd
ard
ized
Sta
nd
ard
ized
Decen
tralizedD
ecentralized
Real t
ime
Real t
ime
Account based
Account based
Secur
e
Secur
e
User friendly User friendly
micro-mini-macromicro-mini-macromobile-internetmobile-internet
proximity-remoteproximity-remotedomestic-internationaldomestic-international
micro-mini-macromicro-mini-macromobile-internetmobile-internet
proximity-remoteproximity-remotedomestic-internationaldomestic-international
anyone,anything, anytime,
anywhere
anyone,anything, anytime,
anywhere
many banksmany banksmany MNOsmany MNOsmany banksmany banksmany MNOsmany MNOs
end-to-end full automationend-to-end full automationreal time processingreal time processing
end-to-end full automationend-to-end full automationreal time processingreal time processing
no centralized no centralized registrationregistration,,
no centralizedno centralizedauthorizationauthorization
no centralized no centralized registrationregistration,,
no centralizedno centralizedauthorizationauthorization
bank account,bank account,MNO accountMNO accountbank account,bank account,MNO accountMNO account
technology,technology,processes,processes,
rules,rules,business business conceptconcept
technology,technology,processes,processes,
rules,rules,business business conceptconcept
anonymity,anonymity,guaranteed guaranteed payment,payment,
trusted partner,trusted partner,complex protection,complex protection,
PKI.PKI.
anonymity,anonymity,guaranteed guaranteed payment,payment,
trusted partner,trusted partner,complex protection,complex protection,
PKI.PKI.personalization,personalization,simple menus,simple menus,
personalization,personalization,simple menus,simple menus,
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One service fits all!One service fits all!
PROMPTPROMPT VALUE DAYVALUE DAY
VARIETY OF PAYMENT METHODSVARIETY OF PAYMENT METHODS
PROMPTPROMPT VALUE DAYVALUE DAY
CONVERSIONCONVERSIONREFUNDREFUND
DEFERREDDEFERREDESCROWESCROW
mobileinternetmobileinternet
channelchannelPOSP2PB2CB2BP2M
POSP2PB2CB2BP2M
transaction typetransaction type
MICROMINI
MACRO
MICROMINI
MACRO
transaction valuetransaction value
domesticinternational
domesticinternational
geographic coveragegeographic coverage
UNIVERSAL APPLICATIONUNIVERSAL APPLICATION
BANKBANK OPERATOROPERATOR
INDEPENDENCE INDEPENDENCE
BANKBANKOPERATOROPERATOR
SIMCARDSIMCARD
PLATFORMPLATFORM
NETWORKNETWORK
HANDSETHANDSET
BROWSERBROWSER
TRANSPORT LAYERTRANSPORT LAYER
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Customer MerchantProduct Sales channel
Ring tone,tickets, MBPP
mobile(WAP,
SMS, USSD)
Peer-to Peerpayment mobile
personal
Physical products
personal(IrDA,BT)
InternetDigital content,
physical products, EBPP
POS
The future payment transactionsThe future payment transactions
