aliena company presentation
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Aliena Company presentationTRANSCRIPT
Company Presentation
INNOVATION
The first mobile proximity payment solution
independent from MNOs and Manufacturers!
There was a Secure Element…The war had begun in the
name of the MobilePayment.
Once Upon a Time Now!
C3P
C3P (Cloud Contactless Card Payment) is a new mobile proximity payment platform aimed to be interoperable and independent from any specific mobile manufacturer, device model, operating system, TELCO operator or bank.
It has been designed to give the user a quick, simple way to use his mobile phone as an actual credit card, and to give the merchant a new innovative way to accept payments.
C3P ARCHITECTURE
Secure c3p backend
Smartphone POS
User AcquirerMerchant
C3P ARCHITECTURE
Play Store
Smartphone
Download C3P app
C3P is supported by any NFC Android smartphone. There is no need to install buy any additional hardware, such as an NFC SIM or MicroSD.
C3P ARCHITECTURE
Secure c3p backend
Smartphone
The user registers and all his personal information is stored in the Cloud. The system generates new security keys and initializes the user's handset.
Registration + device initialization
C3P ARCHITECTURE
Secure c3p backend
Smartphone
Card data upload
C3P can potentially store any type of credit card. The user can add all the credit cards he wants on the app and choose which one to use each time.
C3P ARCHITECTURE
Secure c3p backend
New transaction request
POS
A transaction begins with a new transaction request to the server by the merchant’s POS, which can be either a real NFC POS or an NFC enabled device (tablet or smartphone).
C3P ARCHITECTURE
Secure c3p backend
Transaction data
POS
The server creates a new transaction entry and returns some information about it to the POS.
C3P ARCHITECTURE
Secure c3p backend
Request for payment
POSSmartphone
Such information is then forwarded to the user's device. Thanks to NFC technology the user only needs to tap the smartphone to the merchant’s POS in order to make the payment. The payment experience is simple and quick.
C3P ARCHITECTURE
Secure c3p backend
To authorize the transaction, the user is requested to type his secret code. Every payment transaction is protected. We do not store user’s code anywhere and no transaction can be triggered without a code.
Secure personal code
C3P ARCHITECTURE
Secure c3p backend
Payment approval
POSSmartphone
An information package (encrypted with user's secret keys) containing some transaction identifiers and some user's authentication data, is returned to the POS through a second NFC tap. No payment data (cardnumber, cvv, expiring date) is transmitted in this communication!
C3P ARCHITECTURE
Secure c3p backend
Payment approval forwarding
POS
The POS (which is unable to decrypt the content) forwards the package to the server.
C3P ARCHITECTURE
Secure c3p backend
The system decrypts the package with the user's keys and performs some authentication and security operations to verify the will of the user to pay and unlocks user's payment data.It finally uses webservices to communicate with the virtual pos of the merchant's acquirer in order to process the transaction.
Trasaction
C3P ARCHITECTURE
Secure c3p backend
Response
The merchant is finally informed about the transaction completion or alerted in case of errors.
VALUE PROPOSITION
Cost of cash management
Few electronic transactions
New operators in the market (MNOs)
Specific MP solutions
Independence from MNOs
Independence from external HW devices
Interoperability
BANKSMarket pains
Our solutions
VALUE PROPOSITION
Too many cards in the wallet
Speed in purchasing and in service activation
Control over expenses
Don’t want to change the SIM card
One single tool to manage all the cards
C3P works with every NFC smartphone, MNO, payment card or bank account
The user’s app doesn’t need a data connection to pay
Market pains
Our solutions
USERS
VALUE PROPOSITION
Innovation without increasing costs
Cost of cash management
MERCHANTS
Payment acceptance via NFC-enabled POS: customized traditional POS, but also NFC smartphone or tablet
Transaction boost
Market pains
Our solutions
THE MARKET
NFC-READY POS TERMINALS ARE PREDICTED TO REACH
44.6 MILLION UNITS BY 2O17
42 % OF MOBILE PAYMENTS IN EUROPE IN 2O15 WILL BE NFC OR CONTACTLESS PAYMENTS
Source: Berg insight research 2O13
GLOBAL SALES OF HANDSETS FEATURING NFC
GREW 300 % IN 2O12 TO REACH
14O MILLION UNITS
COMPETITIVE SCENARIO
Magnetic Stripe Smart Card C-less Smart Card NFC Smartphone
C-lessPOS
Mobile
C-less POS /
Mobile
User
Merchant
THE TEAMAlice MoroniCo-founder Operation
Serena SposatoCo-founder Executive
Laura LanciaStrategy
Ylenia De RosaProduct
Marcello MorenaTechnology
Marco Gagliardi Innovation
Marco CarboniMarketing
ROADMAP
Pilot project
Q4 2013
Q2 2014
Q3 2014
Go-to-market in Italy / Europe
Launch of loyalty and fidelity
services
Complete wallet platform and API
release
Q4 2014
Q1 2015
Q3 2015
Launch of ticketing services
Go-to-market worldwide
www.alienamobiletech.com
www.c3p.biz
fb.com/c3pwallet
@alienamobile
Aliena Mobile Tech