- from coins to paper to cards now to mobile phone -

Transkript

1 NFC og TSM mars Mars from coins to paper to cards now to mobile phone - Lars Sandtorv CEO LS@trustnorway.com Mob: Geir Norlund CTO GN@trustnorway.com Mob: TrustNorway

2 Agenda TrustNorway Hvorfor NFC nå? NFC Standardisering Typisk bruksområder NFC økosystem Trusted Service manager (TSM) De ulike aktørene i verdikjeden Hvordan komme i gang? NFC demo med iphone og Android Oppsummering og spørsmål

3 Visjon Hvordan vi betaler har egentlig bare endret seg tre ganger de siste 1000 år: - fra mynter til papir til plastikk kort nå til mobiltelefonen - Dette er en STOR endring, innen betaling og vi skal være med!!

4 TrustNorway Meget høy kompetanse på NFC og TSM Mange av oss er tidligere IBMére Vi har erfaring fra Citibank, First Data, Luup, SEB, Eurocard, PCI sikkerhet og mye mer Erfarent styre og rådgivere Ingvild Myhre Kjell Thoresen Thomas Hissam (World wide NFC IBM) Geir Norlund (CTO) Sterkt sikkerhetsfokus Uavhengig TSM Tett samarbeid med de store IBM, Ericsson, VivoTech, Bell ID, m.fl. Løsningene må skallere Gründere Lars Sandtorv (CEO) Christian Testman (Styreformann) Markedsfokus Norden Baltic og Amerika Resten av verden Kapital og investorer Strategisk partner Pioner Kapital Garanterer langsiktighet for kunder, partnere og investorer

5 Hvorfor NFC nå? 43 millioner +200 millioner millioner 5

6 NFC standardisering NFC har tatt fryktelig lang tid Standardiseringen begynte tidlig 2000 Først i 2010 ble det en skikkelig standard Smarte mobiltelefoner driver markedet NFC og mobilen er on-line Alle mobilprodusenter leverer nå NFC mobiler PC og Mac blir levert med NFC integrert (Intel) 6

7 Markedet per oktober SMS, Barcode, QR code, GPS, NFC Banks, Transit, Food, CC, MNO s, Merchants NFC emerging as predominant technology Mobile, Web, Financial players entering - targeting Tier 1 Merchants - issuing RFPs New player consortiums subsidizing NFC readers in stores 20-40M NFC phones NFC will dominate rival technologies Most Tier 1 Merchants adopt NFC, followed by Tier 3, then Tier 2 Existing merchant services vendors enter (e.g., NCR, IBM) 70-80% NFC POS by end B NFC phones by end-2015 Technology Tests Usability Tests Market Tests Early Commercial Rollouts Mass Rollouts 7

8 Noen (få) typiske bruksområder Retail Betaling i med mobil butikk Lojalitetsprogram Kuponger Transport Det du liker! Tilbud ved lokasjon Fly, Tog, Buss, Trikk, osv.. Betal med bankkort i applikasjonen ID i mobilen Lojalitetsprogram White label Kredittkort Bensinstasjoner Betal med mobilen Tilbud ved lokasjon Lojalitetsprogram 8

9 Typiske bruksområder 8.00 am 8.30 am 9.00 am am 6.30 pm 8.00 pm Open the car and make it start Pay traffic fares Access office Control the NFC wallet Pay at retail stores Choose and pay in restaurant Get bus timetable Access to bus Access to campus Borrow a book from library Get advertising and promotions Access to concert Near Field Communication (NFC) is a technology that enables intuitive use of proximity services ( touching ) using a mobile phone instead of a contact-less enabled card

10 10 Alle NFC økosystem må ha en TSM

11 11 Dagens lukkede løsninger

12 Dagens Smartetelefon løsninger TDC NetCom Telenor Other 1:1 Merchant FI Issuing Services / Processor Credit / Debit Network Financial Institution 12

13 Neste generasjon med TSM Financial Institution Credit / debit accountholders NFC payment application Mobile wallet selection Payment account issuance capability Card data for mobile provisioning NFC payment app specs NFC payment app certification POS acceptance rules Credit / Debit Network TSM FI Issuing Services / Processor Payment account issuance capability Card data for mobile provisioning Payment transaction processing Wireless subscribers Independent NFC-enabled handset distribution Access to secure element on handset Mobile wallet selection Some enabling technology components Mobile Network Operator Prepaid Issuer / Processor NFC prepaid application Prepaid account issuance capability Prepaid account data for mobile provisioning Prepaid transaction processing Deep merchant relationships Enabling technology components Technology Providers Merchant Acquirer Payment transaction acquiring from the POS Deep merchant relationships Influence on POS infrastructure decisions Merchant Customers / mobile payment users POS infrastructure for NFC payment acceptance Prepaid accountholders

14 TrustNorway s TSM Services

15 De ulike aktørene i et typisk NFC Økosystem 15

16 Hvordan komme i gang? Bank Hva ønsker dere å oppnå? Service Provider Kostnader? Teleoperatør Gevinster/fordeler? Payment Gateway Hvilken rolle vil dere ta? Andre 16

17 Demo med iphone4 og Samsung Google Branded Payments Merchant s Gift Card, Loyalty Coupons, Offers, Rewards Coupons, Offers, Rewards Digital Receipt Single Tap Order & Payment Merchant s preferred payment 17

18 TrustNorway - Deliverables Trusted Service manager TSM TrustNorway s main product is the TSM, connection to the TSM, and life cycle management of the solution. Our TSM will also included a SCMS. Support for all Secure Element (SE) types. TSM and NFC Know-how Best practice from a delivery team with high competence. Build the best team available. Thomas Hissam to lead this work. NFC ecosystem To be able to deliver high quality services to all industries, we need the best partners available world wide. In combination with low cost/high quality services from Eastern Europe, we will be very competitive on price / performance. Expertise and services on NFC TrustNorway will perceived as the one of the best provider of expertise and advisors in the NFC area. 18

19 Three-letter acronyms NFC Near Field Communication EPC European Payments Council TSM Trusted Service manager SEPA Single Euro Payments Area RFID Radio Frequent Identification OSS Operations Support System (Telco) SIM Subscriber Identity Module BSS Business Support System (Telco) USIM Universal Subscriber Identity Module OTA Over The Air microsd Micro SanDisk RFID Radio Frequency Identification TEE Trusted Execution Environment LAN Local Area Network GSM Global System for Mobile Communications WAN Wide Area Network UMTS Universal Mobile Telecommunications System Wifi Wireless LAN 3G/4G 3-4 Generation Mobile Network GSMA - GSM Association MNO Mobile Network Operator (Telco) VMNO Virtual MNO (ex. Chess/djuice) ARPU Average Revenue Per User PCI DSS Payment Card Industry Data Security Standard ETSI European Telecommunications Standards Institute EMV - Europay, MasterCard and VISA, 19

20 20 - from coins to paper to cards now to mobile phones -