Cartes 2010 : m-payment, when stripes are visual
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Transcript of 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
Cartes & Identification 2010, Paris, 07/12/2010
Barcodes as a mobile payment enabler
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 ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 3
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 ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 4
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)
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 5
m-World
enablers ?
Phone
Data
Mobile Phone
is actually ...
…Mobile Data
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 6
Mic
Display
Camera
Keypad
Wifi Bluetooth
IrDa
NFC
3G
m-World
Inputs/Outputs The smoother,
The better. enablers ?
Mobiles can read
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 7
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
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 8
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 ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 9
Barcodes & m-Payment
Google Checkout
FaceCash
Cimbal PortaPayment
Starbucks
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 10
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.
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 11
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.
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 12
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.
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 13
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.
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 14
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, …
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 15
Barcodes : Payment, etc. also in use for…
boarding passes & tickets
bills loyalty & coupons
…
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 16
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 ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 17
A closer look : 2 main approaches the payer is identified by the payee
Client Store
e-Pay
men
t netw
ork
online wallets
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 18
A closer look : 2 main approaches the payer identifies the payee
Client Store e-Pay
men
t netw
ork
online wallets
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 19
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 ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 20
Discussion are we in ?
Dawn of a BOOM, …
or dreams in bloom ?
HIGH-TECH TRANSACTIONAL SERVICES Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI 21
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
Cartes & Identification 2010, Paris, 07/12/2010
Barcodes as a mobile payment enabler Thanks for your attention !