mobile payment solutions servebase global card solutions introduction to mobile payments servebase...

Mobile Payment Solutions

Servebase Global Card Solutions

Introduction to Mobile Payments

Servebase Global Card Solutions & Thyron Systems

Andrew BrooksBusiness Development DirectorEMEA

And

Nigel CullumSales & Marketing Manager


Agenda

• Introduction – Servebase/Thyron Systems• The Mobile payments market• Current solutions• New developments


Background to Servebase

• Established in 1986• An independent and self-financing business• Servebase solutions process 30 million transactions

annually• Representing GBP 8 Billion in value• Company operating revenue (2004) GBP 3.2 million• Over 50 personnel servicing clients in 30 countries• Customer Service ‘help desk’ manned 24 hours per

day 7 days per week 365 days per year


Background to Thyron

• Originally formed 1989 – New management 2002• Self financed and cash positive• Focus on providing hardware and software for “Secure

Payments” and “Mobile Transaction Solutions”• Recognised leader in field of Mobile Payment Technology• Mastercard TQM certified • UK’s only independent manufacturer of payment terminals• 40,000+ terminals in the UK• 30+ people, 85% R and D, application development• Sub-contract manufacturing to UK and Far East


Market Sectors

Mobile Payments Transportation Hospitality


Thyron UK Strategic Partners

• GPRS partners

• Wireless-LAN partners

• Card processing bureau Partner


MOBILE PAYMENTS MARKET…


What is a Mobile Merchant..?

“A trading entity that needs to accept credit or debit cards in locations where traditional telephone based communications are not

accessible or available”


Mobile payment business sectors

• Rent and fine collections (public and private sector)• Market traders• Call out charge collections / repair payments (utility companies)• Door to door deliveries• Airports/Railway station concourse (linked with Hot Spots)• Queue busting• Exhibition payment collections• Ticketing• Shopping centres• Contract caterers• Restaurants• Hotels, coffee shops etc.• Roadside rescue• Taxis


Types of Mobile Payment Solutions

• Mobile – based on using wide area wireless technologies, GPRS, Paknet Taxis Market traders Roadside rescue

• Portable – based on using local area wireless technologies, WLAN, Bluetooth Restaurants Hotels Coffee shops


Elements needed to carry out a “Mobile Transaction”

• A portable, battery operated credit card payment terminal with wireless technology (Thyron MPT500 series)

• A wireless connection to send and receive transactions from the terminal to the service bureau (GPRS/WLAN)

• A managed service bureau from Servebase (Axis) to securely connect the transactions to the Banking networks


Mobile Payment Terminal

MPT500 Series Mobile/Portable Card Transaction Terminal


PayCell® MPT 500 - Features

MPT500 Series:• Smallest footprint terminal of its type• Light – less than 525gms• Fully Chip and PIN certified• All wireless communications available

GPRS WLAN Bluetooth

• All card types supported• Easy Load Printer• Long life battery technology• Charging Cradle • Integrates into tills and EPOS systems


GPRS/WLAN EPOS Link – to EPOS or cash register

Bank

GPRS/WLAN

Cash register but could be a cash receipting system at a

council payment desk

Thyron MPT500

PC-EFT or Axissolution


Benefits of a mobile payment solution

• Take a payment anywhere, anytime• Chip and PIN to reduce fraud and charge-backs• Lower merchant service charges• Improved cash flow through faster payment collection• Fast transaction times (via Servebase)• Access to Servebase’s Flex management reporting tool

for: Simple and central reconciliation facilities Improved management reporting Secure web based access to transaction logs

• Reduced communications costs (WLAN with ADSL)• Easy to install – low infrastructure costs• EPOS integration providing local reconciliation


NEW DEVELOPMENTS…


WiFi Chip & PIN Hotspot Solution


Who are The Cloud…?

• Europe's leading WiFi network provider• Over 6,000 hotspots across the UK• Experience in delivering complex WiFi solutions at:

Canary Wharf, Manchester United, BMW, Coffee Republic,Bullring shopping centre

• The only carrier neutral network in the UK• Supporting over 25 service providers (BT Openzone, Skype,

Vodafone etc) Allows users with service provider or roaming WiFi accounts to log

on to the internet. Visitor Pay-as-you-Go service


WiFi Chip and PIN Hotspot Solution

MPT510 Terminal

Authorisation/Settlement

PC-EFT or Axissolution

Wireless Hotspot

Bank


Benefits to the Merchant

• Increases foot fall and dwell time at your location

• Improved revenue opportunity for your site

• Revenue Share Example Monthly public access revenue share for the merchant, paid by The

Cloud is 20% of service provider and 40% of PayGo revenues generated from the site

For every £4.50 PayGo voucher purchased on-line by a customer for an hours Internet access, a merchant can earn up to £1.47 per voucher after transaction costs and VAT e.g. If a merchant sells 20 vouchers per month you can expect to earn up to £29.44 which pays for the monthly ADSL subscription and support for one payment terminal.

• Increased user flexibility

• New market areas possible based on uptake on WiFi enabled consumer products (PDAs/phones/Sony PSP)


“MOBePOS”


Features

• Bluetooth enabled GPRS terminal MPT500 (b)• Links to external Hand Held Computing terminals via Bluetooth• Uses GPRS connectivity to gain authorisation via Servebase Flex

system• Simple API between Hand Held Computer and Terminal allows

easy integration to existing applications without requiring Bank certification

• Uses printer mechanism on MPT500 (b) to provide non card related receipt details (VAT receipts, delivery notes etc) – no need for separate printing mechanisms


Target markets

• Logistics• Pay on Delivery• Rent and fine collection (public and private sector)• Travel and Transport• Mobile EPOS• Hospitality• Any Hand Held computing application that demands

Chip and PIN


Summary

• Mobile payments untapped market• Technology is available and in use today• Thyron/Servebase solutions provide flexibility for

your specific business requirements• Enhanced services can improve customer

experience and benefits• Face to face card payments have no barriers!


What do Servebase do?

• Providers of card processing solutions for merchants, banks and processors globally

• Enterprise software and hosted solutions• Multi-card, multi-currency, multi-merchant and

multi-acquirer functionality within all solutions• Accredited by Visa, Mastercard, American Express, Diners

International and JCB• EMV approved for chip and PIN


Servebase Global Card Solutions

THANK YOU AND ANY QUESTIONS

Introduction to Mobile Payments

Servebase Global Card Solutions & Thyron Systems

mobile payment solutions servebase global card solutions introduction to mobile payments servebase...

Documents

mobile transaction solutions

mobile merchant

service slide

complex wifi solutions

available slide

year slide

east slide

axis solution slide