Netcetera Innovation Summit

The Past 12 Months – What’s New & Exciting

23. September 2016

Dr. Thomas Fromherz

Vision

“Against the backdrop of the digitization of the

payment processes, Netcetera aims to

continuously expand and enhance its innovative

payment solutions to become one of the important

solution providers in the DACH region.”

Payment & Card Services

3-D Secure

Netcetera 3-D Secure Hosted Services

Since 2003

Benutzerfreundliche 2-Faktor-Authentisierung

Ausblick

Modell-basiertes Risk System

3DS 2.0

MPI

Netcetera 3DS MPI

Ausblick

3DS 2.0

SwissWallet

&

Tellwa

• Digital payment wallet for Switzerland

• Available to 3 million card holders of swisscard

and Aduno/Viseca (50% market share in CH)

• E-Commerce checkout with MasterPass

• Mobile contactless payment with MDES

• Integration with issuer mobile apps via SDK

• Issuer provisioned cards and seamless 3DS

• Integration with issuer's identity management

• www.swisswallet.ch

• A joint venture of

and the card issuers

by

Timeline

2013 Project started, whitepapers, broad scope, feasibility

studies

2014 Proof-of-concepts, governance, architecture, considering

MNOs, secure elements; focus on e-commerce and mobile

payment (NFC)

Early 2015 SwissWallet agreed with issuers Aduno/Viseca and

swisscard

May 2015 Starting development MasterPass e-commerce checkout

Nov 2015 General availability of MasterPass

2016 Achieved over 200'000 wallets

Starting development mobile contactless payment (HCE)

Later 2016 General availability of mobile contactless payment

Pairing, express checkout

On-boarding further banks/issuers

Planned Person-to-person payments, extensions to online payment

Evaluating Wearables, loyalty integration, digital loyalty cards

1

2

3

Tellwa – New Digital Payments for Your Customers

Tellwa

Digital Wallet

E-Commerce Checkout

A better way to check out online

• No address entry

• No card details entry

• Use any card, tokenized, safer, trusted

Mobile Contactless

Payment

A better way to pay in-store

• At all stores worldwide with

• Your wallet without the plastic

• All cards at hand, tokenized, safer, trusted

Deliver card data, card art, preferences

1PAN

Validate card holder login token

3

MyBank

Accounts 6,750.00

Recent Transactions

Ready to Pay

MCP: Setup, Tokenization, Replenishment & Payment

Mobile Payment

SDK

Card Issuer

MyBank

MDES

MasterCard

VTS

Visa

Acquirer,PSP

Tellwa Mobile

Contactless

Payment Service

Card Vault

Download & Install app

1

Notify of new token6

Device pairing, ex-change crypto keys

4

Pick up new token7

Request Trx Cred1

Request Trx Cred 2

Request digitization

4

Card holder login, authentication, receive login token2

Replenish Trx Cred4

EMV paymentcryptogram

1

Request digitization

3

Authorize, de-tokenize cryptogram

3

Enable NFC, select app in tap & pay settings, select card in app

8

Receive token5Receive

Trx Cred 3

Authenticationas needed

(PIN / fingerprint)

2

Normal settlement process65 Acceptance

Setup Mobile Payment

OAuth Card Holder Auth.

Card Data

TAV calculation

Payment Authori-zation

4

PAN

Select card for digitization2

Checkdevice

Ausblick

DSRP

Green Path Provisionierung

Netcetera GmbH