the si perspective [email protected] senior consultant september 2003 01628 585754
TRANSCRIPT
The SI Perspective
Senior ConsultantSeptember 200301628 585754
www.hitachi-eu/egov
e-Purse Business Case Types of Scheme Standards SI Perspective Future Questions…
Agenda
e-Purse
Argentina , Australia , Austria , Bahrain , Belarus, Belgium, Brazil, Bulgaria, Canada, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Ghana, Greece, Guatemala, Honduras, Hong Kong, Iceland, India, Ireland, Israel, Italy, Ivory Coast, Japan, Kazachstan, Kenya, Kyrgyzstan, Latvia, Lithuania, Luxembourg, Malaysia, Mali, Malta, Mexico, New Zealand, Nigeria, Norway, Philippines, Poland, Portugal, Puerto Rico, Romania, Russia, Singapore, Slovakia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Tunisia, Turkey, Ukraine, United Kingdom, United States, Uruguay, Venezuela, the Netherlands
A-Cash, American Express, Avant, Balcard, CAFÉ, CASH (Switzerland), Cartao Inteligente, Cash (Sweden), CashCard (Singapore), Chipknip, Chipper, Clip (Europay), Danmønt, ECard, ESCA, Easy Card, Edy, Electronic Cash Bradesco, Electronic Cents Purse, Euro 6000, Exact, Futura 3000, GeldKarte, Hi-Purse, K-Cash, KLINK, MEP (Multibanco), MEPS Cash, MINIpay, MasterCard Cash, MicroCash, MiniCASH, Modeus, Mondex, Monedero 4B, Moneo, Monicash, Mybi - Digital Pusan Card, Octopus, Proton, Quick, Quicklink (now ECard), SMArt Rupee System (SMARS), Suica, SuperCash, TIBC, Thai Smart Card, Ultimus, ValuCard, Visa Cash, Visa Roskart, beenz, iButton
e-Purse
Electronic Purse
Electronic Cash
Prepaid Value
Stored Value
Magnetic Stripe Cards
Smart Cards
Other Physical Tokens
Entirely Virtual
e-Purse Business Case Types of Scheme Standards SI Perspective Future Questions…
Agenda
Business Case
MarketingOppertunities
Par
tner
ship
s Custom
ers
RevenueSources
Where will revenue come from?How will we leverage it?How much will it cost?
Business Case
Cost of Handling Cash
Interest on Float
Unredeemed Value
No Cash Infrastructure
Faster than Cash
Ease of Use
Security
Electronic Services
ATMs Point of Sale Card Readers Revalue Machines Transaction Hub Txn Clearance Cost Charges Lease or OwnBusiness Case
e-Purse Business Case Types of Scheme Standards SI Perspective Future Questions…
Agenda
Scheme Types - Closed
Closed
Value Circulates
Single Organisation
Partner Organisations
Issuing Value
Redeeming Value
Vouchers not Currency
Private Infrastructure
Scheme Types - Closed
Closed - Example
Positive Futures
Leisure Centres
Youth Workers
Issued for Behaviour
Redeem for Sports
1 point 1p
Closed Points Cycle
All Transactions Logged
Scheme Types - Open
Open
Electronic Cash
Cash Alternative
Issued by a Bank
Merchants Accept
Consumers Use
Issuer Honours Value
Central Bank Rules
FSA in UK
Scheme Types - Open
Open - Example
Ghana
Two Banks
Poor Quality Paper Money
No network of ATMs
Limited Landlines
Security in Bush
Utility Payments
Few Bank Accounts
Scheme Types - Accounted
Fully Accounted
Pre-Authorised Debit
Shadow Account on Chip
Central Hub
Transaction Charges
Not Anonymous
Proprietary Solutions
EMV
Attractive to Banks
Scheme Types - Offline
Offline
Reduce Telecom Costs
Scales Better
Robust and Reliable
Lower Cost
Secure Chip Required
Scheme Types - Online
Online
All Transactions Centrally Cleared
Potential Single Point of Failure
Security in Servers and Terminals
Cheaper Cards
Centralised Settlement
Scheme Types - Transport
Transport
Generally Closed
Speedy Transactions
Usually Prepay
Contactless
Low Cost Cards Used
Interoperability Required
Commercially Successful Schemes
Transaction Fees Fund Infrastructure
Scheme Types - Transport
Transport - Example
SUICA
Japan Rail East
5 Million+ Cardholders
20 M Daily Transactions
500 Stations
Multi-Operator
Season Tickets
Stored Value
Vending & Retail
e-Purse Business Case Types of Scheme Standards SI Perspective Future Questions…
Agenda
ITSO UK Transport Legacy Schemes Getting Started
Standards - ITSO
Standards - CEPS
Common European Purse Specifications
Secure Electronic Transactions
Standard being Adopted
Evolution from EMV
Face to Face
International
Multi-Currency
Standards - EMV
EMV
2005 Roll Out
International Standard
UK Wide Infrastructure
MasterCard and Visa
Preauthorised Debit
ATM, POST & Cards
PIN at POS
e-Purse Business Case Types of Scheme Standards SI Perspective Future Questions…
Agenda
SI Perspective
Smart Cards act as a catalyst
for Technical Integration
and Stakeholder Cooperation
SI Perspective
Cardholder Take up
Social Exclusion
Organisational
Security Worries
Technology
Standards
Plans to Scale
Sustainability
21st Century Government
and others…
Consulting Stakeholders
Community Involvement
Legal
Marketing
Financing
Implementing
Operating
Managing
SI Perspective
e-Purse Business Case Types of Scheme Standards SI Perspective FutureQuestions…
Agenda
Future
Contactless Transport Cards are Popular with the Public unlike Bank e-Purse Schemes
Future
Preauthorised Debit
e-Cash Alternative
Proprietary Solutions
India
Russia
EMV
MasterCard
Visa
EMV Widely Deployed
Future
Many Closed Schemes
Low Cost
Local
School Meals
Loyalty
Social Inclusion Projects
Staff Canteens
µ-Chip met the challenge to make a chip small enough for bank notes.
Low Cost High Volume High Security Fast Simple
Future
Questions
e-Purse Business Case Types of Scheme Standards Future SI Perspective Questions…
The SI Perspective
01628 585754
Senior ConsultantSeptember 2003
www.hitachi-eu/egov