Mobile Payments
Budoucnost platebních karet,Konferenční centrum České národní banky, 22.10.2014, Praha
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Company Profile
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Who We Are
• European payment processor
(brand agnostic)
• Founded in 2008
• Located in Warsaw, Poland
• Solely owned by MasterCard
since 2012
• Mobile payments enabler and
innovator
• Part of MasterCard Processing Group
COMPANY
PROFILE
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What We Offer
Banks
Merchants
Service
Managers
Banks
Non-Banks
Issuers
SE-Owners
COMPANY
PROFILE
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Mobile Payments
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The first transactions, milestonesHistory of
MOBILE
PAYMENTS
� 1997 - 1st in the world – Finland, Helsinky, mobile-phone enabled Coca Cola vending machines. The machines
accepted payment via SMS.
� 1997 - 1st mobile phone-based banking service was launched in 1997 by Merita Bank of Finland (also using SMS).
� 1999 - Two major national commercial platforms for mobile commerce were launched. Smart Money
(Philippines) & NTT DoCoMo’s i-ModeInternet service (Japan).
� 2000 - Mobile-commerce-related services spread rapidly. Norway - mobile parking payments. Austria - train
ticketing via mobile device. Japan - mobile purchases of airline tickets.
� 2006 – 1st NFC Phone - Nokia 6131
� 2011 – Launch of the the Google Wallet Mobile App in September 2011
� 2013 - MasterPass
� 2014 – Apple Pay
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Products and services available
MOBILE
PAYMENTS
� Mobile Money Transfer
� Mobile ATM
� Mobile ticketing
� Mobile vouchers, coupons and loyalty cards
� Content purchase and delivery
� Mobile Banking
� Mobile brokerage
� Auctions
� Mobile purchase
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Card Payments Evolution
NFC
PAYMENTS
Magnetic
Stripe Card
EMV Card
Chip & PIN
Mobile NFC
Payments
Contactless
Chip Card
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Mobile Payments - basic classification
Mobile
Payments
Mobile
Payments
Proximity
Payments
Proximity
Payments
Remote
Payments
Remote
Payments
NFC
P2P
MasterPass
MOBILE
PAYMENTS
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Mobile Payments Tools - NFC, MasterPass
MOBILE
PAYMENTS
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mHUB - interoperability
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Trevica as a Mobile HUB
…in the middleMMRP
PAYMENTS
• Middleware software for MasterPass and Service Managers (Wallet SMs).
• One point of access to MasterPass services for all Wallet SMs.
• Trevica will be responsible for integration, tests
and activation processes of new Wallet SMs.
• Trevica will pass to MasterPass proper
URL of a new wallet during the
new Wallet SM
registration
process.
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SP TSM - NFC Ecosystem
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Trevica as a TSM
TSM: A New Role in the Mobile Payments Ecosystem
NFC
PAYMENTS
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Four Types of Secure Element
NFC
PAYMENTS
SIM eSE µSD HCE
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Project at Market Level
Many agreements
with many parties
Many standards
and connections
High integration cost
& long launch time
TSM
Ecosystem
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Trevica Simplifies the Model
One-stop solution
One agreement for
banks to access SEs
One technical interface
for the issuing Banks
One commercial
agreement for MNOs
TSM
Ecosystem
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Case Study: Polish NFC Ecosystem
Strongest contactless
acceptance in Europe
Trevica is the single point
of contact for all parties
First commercial NFC
multi-bank setup
TSM
Ecosystem
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One Agreement for All Services
OUR
SOLUTION
•OTA
Provisioning
•Card Lifecycle
Management
•UI Management
•OTA
Provisioning
•Card Lifecycle
Management
•UI Management
•Payment
Application
License
•Payment
Application
License
•Secure Element
(SE) Availability
•Device
Management
•Secure Element
(SE) Availability
•Device
Management
Agreement
Signature
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The Future of Mobile Payments
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FUTURE OF
MOBILE
PAYMENTS