worldline wallet mobile payments - mobey forum · why « brand » pay is still relevant for...

Worldline Wallet&

Mobile Payments

G. Regnault- Rotterdam – 21/03/2017

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We are at the crossroads

…

What if …

What if…

What if …

Wallet by Worldline : definition

Worldline Wallet is a substitution of a physical wallet : secure container of digital identity,

Use cases enablement : • payments, • Booking and reservation , • ID&V, (authentication, KYC, …)

Core solution is made of :

• Wallet server platform hosted by WL in a PCI-DSS certified vault with standard web service APIs ready for plug-in

• a Mobile Software Development Kit (SDK/API) to be integrated into the bank or merchant’s mobile application.

• 3rd party APIs (e-PSPs, fraud, card provisioning, coupon lifecycle…)

What it is

For wallet providers :

• Innovative payments journeys (quick, smooth, seamless,…),

• Enriched user experience (VAS),

• Secure and fraud efficient (authentication, FRM)

• Trust image (secure could storage, privacy & confidentiality respect)

• New revenue streams (loyalty, open APIs)

For end-users :

• Quicken C2M payment (F2F or online)

• Mobility facility payment services (in-vehicle, in-app, with my watch …)

• Payback functions (P2P, split the bill)

• Extended usage (ex: checkin hotel, secure plane onboarding…)

Expected benefits

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| Author | © WorldlineGBU | Division | Department

End-user needs in mobile paymentPay anyone, anywhere, easily and smoothly

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C2MConsumer to Merchant

P2PPeer to Peer

In-APP

OnlineemCommerce

In-store

• Transfer between 2 persons• Split a bill• Payback a debt• …

• Cash flexibilitywithoutdisavantages

• Easier, Quicker, Increased paymentcertainty, Cheaperthan cheques and wire transfers

• Pay on the spot• Pay a bill with a seamless experience• E-commerce nearly real-time

shipment & delivery

Digital Wallet solutions : Key Elements

Universality(cards/SCT/SDD)F2F & ecommerce

InvoicesPublic services

P2P(…)

SecurityAuthentication

Mobile App ProtectPCI-DSS infra

HSMs(…)

Use Case simplicity

UX designOne-click paymentOne-tap payment

Fingerprint(…)

InteroperabilityAccounts integration

Pay means integrationOpen APIs

PSD2 aggregators(…)

extra VASTrx monitoring

Ticketting / ereceiptInvoicing

Credit InstalmentPayment-to-Many

InsurancesDelivery

Affinity/loyalty

DigitalWallet


• Specific to their buiness/vertical

• Payment + Various digital services • ID check• Loyalty/coupons burning• Ticketing • …

• Card onboarding and/or prepaid?

• Brand strength

• Universal (vertical + country)

• App security (fingerprint, secureenclave)

• Trust image

• Openness: local + other wallets

• C2M + P2P solution

• Strong connection to acceptance and acquiring world

Mobile Payments: various positionings on the market

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Specificities Benefits

• Local market penetration

• Brand control

• Fight against disintermediation

• Affinity engagementOU SCHEME

• Global market penetration• Innovation

Confidential – internal use only

Why « Brand » Pay is still relevant for retailers ?

Mobile Payment in-App & in-store

Transaction costs for merchant

Private-label payment means privilege(PLCs, co-branding, consumer credit)

Seamless integration with loyalty systems

Fast-pass checkout experience

Multi-channel, multi-device, multi-means

« Brand »Pay

« device »Pay

« bank »Pay

Roland Berger – March-2017

Mobile Payments Market perspectives


Payment Initiation

Service(PSD2)

Other dataPersonal details

Wallet : Digital ID container for sensitive data storage

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Wallet : Identity data ProviderPCI-DSS encryption

Pay instruments

PAN / exp. date

EMV tokens

BIC / IBAN (or alias)

( . . .)

Toke

nR

equ

esto

r

email

Mobile N°

address

( . . .)

Passport ID

National Card ID

( . . . )

Wallet data model

card(or token)

Author. & Acquiring

( . . .)

PSD2 Payment Initiation service draft architecture

PSD2: wallet as a Payment Initiation enabler ?

• Set cost-effective Business Model (vs cards MIF processing)

• Easy cross-border deployments

• Authenticationprocess control (RBA; integrated and seamless UX)

Benefits/stakesfor Wallet Providers

wallet

Authentication ?

Personal datas

(mobile, email, address)

IBAN or alias

(card details)

ID docs

TPP

PSD2 HUBs

(APIs aggregator)

Bank A

Bank B

Bank C

Bank D

Bank E

API

API

API

API

API

. . .

PSD2 Intercos

(SCT/SDD)


Worldline Value proposition

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Covering all paymentuse cases (In-store,online, in-app, p2p)

Strong security[App/Authentication]

Pay-as-you-use

Customization& options

A complete packageincluding VAS

Sustainablesolution

Provenwhite-labelingexpertise


Trusted Authentication : Worldline key wallet enabler

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▶ Strong Customer Authentication ▶ Multi use cases ▶ Multi devices ▶ Multi channels

▶ Intuitive user experience▶ Seamless authentication▶ Frictionless transactions

▶ Biometry▶ Innovative use cases▶ Risk Based Authentication▶ Continuous authentication▶ Hardware solutions▶ …

▶ Multi-factors authentication▶ Out of Band solution▶ traceability

▶ Private Data Protection▶ Confidentiality, integrity, tamper resistance

▶ PSD2▶ GDPR▶ EIDAS


Worldline Innovations

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SecurityVAS

Openness

Payment modes

• Advanced authentication(Fingerprint, multi-modal, biotyping)

• Strengthened KYC(biometry, Selfie Match, ID papers onboarding)

• Mobile App security reinforcementBlack & White

• Connector “token requestor”

• Social P2P service• ATM withdrawal• Invoicing presentation/payment• Coupons & tickets• IoT and connected objects

• Interoperability• Blockchain

• Payment Initiation Service (PSD2)• Pay before• Pay after• Crypto-currencies


Worldline’s wallet credentials

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Bank consortium Payment schemes Solutions for Retail

International footprint :


Some use cases with Worldline walletP2P Bancontact Mister cash

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Some use cases with Worldline walletPaylib

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© Worldline 2015

Wordline walletMaking your digital vision

a reality today

20+Banks

connected

100.000Active

merchants

1.8MLive users of

Worldline wallet platform

1.5MTrx processed

per month

x5 *

38MCustomers able

to activate

$3.1bValue of the m-

economy in 2017

* 2016 vs 2015


• n• n• n

• n

Why Worldline ?The combination of several Worldline expertises

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Paymenteg PCI-DSS

E-CommerceSips

MyBank / iDealWorldline Omni-commerce

Authentication• ACS 3D-Secure• Worldline Trusted Authentication

Mobile activities• Mobile Apps • Trusted Authentication • HCE

Fully relevant

The leaderof wallet solutions

in Europe


Equens and Worldline’s active role in shaping the payments industry

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worldline wallet mobile payments - mobey forum · why « brand » pay is still relevant for...

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