©2012 dfs services llc confidential & proprietary discover financial services – global...
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©2012 DFS Services LLC Confidential & Proprietary
Discover Financial Services – Global Acceptance Footprint
• Third largest global card acceptance network(1)
• Complementary networks with strong global presence
• Operates in over 185 countries / territories(2)
• Over 850,000 ATMs in more than 100 countries
North America
8,900,000
Asia Pacific
7,100,000
EMEA
2,200,000
Latin America
3,100,000
1. The Nilson Report, #989, March 2012.2. The map denotes countries or territories with transactional activity in the last year.3. Total reflects the number of merchant outlets that accept one or more card brands through May 2012.4. Estimated enablement of RuPay, year-end 2012
Total Merchant Locations
21,300,000(3)
(4)
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©2012 DFS Services LLC Confidential & Proprietary Confidential
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2©2011 Discover Financial Services LLC Confidential & Proprietary 2
Discover®
Mobile Opportunities
©2012 DFS Services LLC Confidential & Proprietary
Everyone is getting into payments
Key ecosystems are migrating services, impacting the payments model, as we know it.Traditional Payments Mobile
Social Media & Online Advertising Traditional Retail & eTail
EmergingCommerce
VisaVisa
MastercardMastercard
Wells FargoWells Fargo
Bank of AmericaBank of America
American Express
American Express
First DataFirst DataChaseChase
CitiCiti
PayPalPayPalDiscover ®Discover ®
AppleApple BingBing
foursquarefoursquare shopkickshopkick
FacebookFacebook
TargetTarget
Old NavyOld Navy
Best BuyBest Buy
The Home Depot
The Home Depot
Ace Hardware
Ace HardwareLowe’sLowe’s
AmazonAmazonWalmartWalmart
Office DepotOffice Depot
MotorolaMotorola
SquareSquare VerizonVerizon
AprivaApriva
AT&TAT&T
Roam DataRoam Data
Vivo TechVivo TechNokiaNokia
mFoundrymFoundry VerifoneVerifone
ClairmailClairmailIntuitIntuit
©2012 DFS Services LLC Confidential & Proprietary Confidential
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MP
Cloud (software-based)
NFC / EMV (hardware-based)
B2CB2B
Strong and growing partnership foundation – Discover is ready
©2012 DFS Services LLC Confidential & Proprietary Confidential
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• Which shopping channels?–Store–Online–Mobile web–App–Facebook
• What device?–Samsung Nexus S 4G–BlackBerry 9900–iPhone
• How to identify myself?–Card–PIN–Phone #–Fingerprint
? ? ?
• What POS?–Traditional–Portable–Customer-based mobile
• What form factor?–Mag stripe card–EMV–NFC–Barcode / QR–Empty hand
• Which data storage location?–Merchant–Third party–Device–Cloud
There are too many choices
©2012 DFS Services LLC Confidential & Proprietary 6
Two Helpful Resources For You
Objective Create awareness on how Discover can help small businesses grow
1. Give them tools they need to differentiate themselves in the market
2. Detailed instructions and tools to succeed
Facebook Guidelines, facts and helpful hints How to set up your business’ facebook
QR Codes What is a QR Code How to get and use a QR Code How a QR code can help a small merchant
©2012 DFS Services LLC Confidential & Proprietary Confidential
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What is a Mobile Wallet?
A mobile wallet is a digital container for payment credentials and value-added content and services, delivered via a mobile device.
Payment credential (multiple forms) with
singular or multiple accounts
Membership and
loyalty programs
Personalized, location-specific
coupons, rewards and content
Ticketing for sports and
entertainment venues
Spend tracking and other
financial management tools
Mobile wallet implementations vary, but may
include the following components:
©2012 DFS Services LLC Confidential & Proprietary Confidential
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Discover® Mobile Wallet Pilot
•Payments made leveraging Discover® Zip technology
•Value added features
•Merchant Offers (60% of U.S. Smartphone users shop on-line before going in-store to buy4)
•Transfer funds and redeem rewards
•66% of 103.5mm U.S. Smartphone users willing to use it as a digital wallet1
•79% are interested in mobile coupons2
•59% use it to shop while in-store3
1 – KPMG International’s 5th Annual Consumers and Convergence survey2 – Comscore, December 2011 3 – Insight Express Study 2011 4 – Cisco International Study, February 20121 – KPMG International’s 5th Annual Consumers and Convergence survey2 – Comscore, December 2011 3 – Insight Express Study 2011 4 – Cisco International Study, February 2012
©2012 DFS Services LLC Confidential & Proprietary Confidential
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Browse Offers View Offer Redeem Offer*Merchants identified above are for demonstration purpose only, and may not participate in the Discover Marketing Platform.
Applications & Solutions
Discover® Offers
©2012 DFS Services LLC Confidential & Proprietary Confidential
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Chips, Products & Security
2D Barcode2D Barcode
StickerSticker SIM WrapperSIM Wrapper
iPhone CaseiPhone Case Micro SDMicro SD
Embedded NFCEmbedded NFC
Form Factors
SecureKey SecureKey
Acculynk PIN padAcculynk PIN pad
ProtectBuy / 3D SecureProtectBuy / 3D Secure
Online Security
Sub-account ManagerSub-account Manager
Mobile Wallet Powered by C-SAM
Mobile Wallet Powered by C-SAM
Platforms & Services
P2PP2P
From Discover® Zip contactless and multiple form factors to TSM certification standards, we are investing in products and security that will give us the edge in mobile
©2012 DFS Services LLC Confidential & Proprietary
A roadmap of new payment options
Source: Market Platform Dynamics
Mag Stripe
Card-based transaction at existing terminal or mobile
card reader
Offsite Remote eCommerce or
mCommerce (mobile web or mobile app)
Onsite RemoteVirtual checkout:
eCommerce transaction by way of mobile device at
physical POS
Proximity: no payment credential
Communication of mobile device to reader,
exchanging token instead of payment information
Proximity: payment credential
Sending payment information directly from
payment device to reader
(NFC)
AmazonAmazon
PayPalPayPal PayPalPayPal
Bill to MobileBill to MobileSquareSquare
Aisle BuyerAisle Buyer StarbucksStarbucks
CimbalCimbal
Google WalletGoogle Wallet
Discover® Zip®
Discover® Zip®
BluetoothBluetooth
IsisIsis
iPhone 5iPhone 5
Nintendo Wii ( 11/18 )
Nintendo Wii ( 11/18 )
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