cartes 2010 : m-payment, when stripes are visual

Atos, Atos and fish symbol, Atos Origin and fish symbol, Atos Consulting, and the fish itself are registered trademarks of Atos Origin SA. August 2006 © 2006 Atos Origin. Confidential information owned by Atos Origin, to be used by the recipient only. This document or any part of it, may not be reproduced, copied, circulated and/or distributed nor quoted without prior written approval from Atos Origin.

m-Payment, when stripes are visual

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Cartes & Identification 2010, Paris, 07/12/2010

Barcodes as a mobile payment enabler

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HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 2

Agenda

» Introduction › m-World › A symbol worth a thousand words

» Overview › Barcodes & m-Payment › Barcodes : Payment, etc.

» A closer look › Main approaches for barcodes & m-Payment

» Discussion › Are we in ?


Agenda






m-World

63%

37%

Mobiles & humans

Mobiled

Not yet

0,0% 10,0% 20,0% 30,0% 40,0% 50,0% 60,0% 70,0% 80,0% 90,0%

Browser

SMS

Emails

Weather news

Bank accounts

Europe

USA

Japan

Mobile usages

Mobile usages : m-Payments forecasts

Portio Research 2014

490m "mPayers" (8%

of subsc., in-app, ticketing, coupons)

$633b in volume

Juniper Research 2014

½ of subsc. are "mPayers" (~2.5b)

$630b in volume (5%

of eCom retail sales)

http://www.portioresearch.com/Mob_payments10-14.html

http://www.portioresearch.com/Mob_payments10-14.html

http://www.streetinsider.com/Press+Releases/Nearly+Half+of+Mobile+Phone+Users+Worldwide+to+Make+Mobile+Payments+by+2014,+according+to+Juniper+Research/5547670.html

http://www.streetinsider.com/Press+Releases/Nearly+Half+of+Mobile+Phone+Users+Worldwide+to+Make+Mobile+Payments+by+2014,+according+to+Juniper+Research/5547670.html


m-World

enablers ?

Phone

Data

Mobile Phone

is actually ...

…Mobile Data


Mic

Display

Camera

Keypad

Wifi Bluetooth

IrDa

NFC

3G

m-World

Inputs/Outputs The smoother,

The better. enablers ?

Mobiles can read


A symbol worth a thousand words

» Born in 1949, barcodes and their younger peers 2D codes are a visual representation of data designed to allow automatic fast and accurate transfer of information.

Code 128

EAN 13

PDF417

QR Code

Aztec

Datamatrix

and so many other symbologies …

Dolby Digital & Sony Dynamic Digital Sound


Agenda






Barcodes & m-Payment

Google Checkout

FaceCash

Cimbal PortaPayment

Starbucks


Barcodes & mPayment

» Google Checkout Android Payment

› Turns a webstore into a physical POS where the customer pays with his Checkout account and his Android phone.

› After completing the cart, a QR code is generated. It encodes the URL of the Checkout payment page, the customer only has to enter his PIN on his phone.


Barcodes & mPayment

» FaceCash

› A web-based POS system + a mobile app + a direct connection to a bank account (direct debits)

› On his POS, the merchant reads a barcode displayed by the app which identifies the customer. The FaceCash webservice trigger the direct debit. For security matters, customer’s picture is displayed along with the barcode.


Barcodes & mPayment

» Cimbal

› A web-based POS system + a mobile app + a direct connection to a bank account (direct debits)

› A client points his phone to a barcoded payment request (on a POS, webpage, phone), his app’ asks for confirmation (PIN). The payment is done. P2P payments are possible.


Barcodes & mPayment

» PortaPayments

› An app’ + a web service which encodes a PayPal payment request into a 2D Code

› Merchants/users can display or print the payment request codes anywhere. Clients only have to scan & pay.


Barcodes & mPayment

» StarBucks

› Dematerialized gift card on mobile, the card number is encoded in a 2D code.

› The client pay at the coffee shop identified by his barcode, reload his card, check his balance, get rewards, …


Barcodes : Payment, etc. also in use for…

boarding passes & tickets

bills loyalty & coupons

…


Agenda






A closer look : 2 main approaches the payer is identified by the payee

Client Store

e-Pay

men

t netw

ork

online wallets


A closer look : 2 main approaches the payer identifies the payee

Client Store e-Pay

men

t netw

ork

online wallets


Agenda






Discussion are we in ?

Dawn of a BOOM, …

or dreams in bloom ?


Discussion are we in ?

Scan to Pay is simple

Scan to Pay is pervasive

Scan to Pay is cheap

Major players in Scan to Pay

Atos, Atos and fish symbol, Atos Origin and fish symbol, Atos Consulting, and the fish itself are registered trademarks of Atos Origin SA. August 2006 © 2006 Atos Origin. Confidential information owned by Atos Origin, to be used by the recipient only. This document or any part of it, may not be reproduced, copied, circulated and/or distributed nor quoted without prior written approval from Atos Origin.

m-Payment, when stripes are visual

[email protected]

Cartes & Identification 2010, Paris, 07/12/2010

Barcodes as a mobile payment enabler Thanks for your attention !

mailto:[email protected]

cartes 2010 : m-payment, when stripes are visual

Economy & Finance