mobile payment –view of postfinance
DESCRIPTION
In his presentation Roland Greber will look at NFC from a user and card holder point of view and share the experiences PostFinance made with mobile payment. Roland Greber is working as product manager in the field of m-payment at PostFinance. He has an in-depth know-how about “plastic money”, e-payment, mobile-payment and NFC.TRANSCRIPT
Technical specifications
Size of title pictureW 25.4 cm x H 9.5 cm equalsW 1500 pixels x H 562 pixelsResolution 150 dpi
Mobile Payment – View of PostFinance7th June 2010Roland Greber
Mobile Monday
PostFinance is growing
Date 7th June 2010 Version: V01.02 Classification: publicPage 2PostFinance, Mobile Monday NFC, Roland Greber
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Customers(in 1‘000)
Operating Profit(CHF Mio.)
Customer Deposits(CHF Mio.)
Activites of PostFinance in Mobile Payment
2005 Mobile Payment and Mobile Couponing
Paying at the point of sale by mobile phone and postal account. Trial in Berne, 500 customers.
2007 PostFinance Mobile Payment
New debitor service to pay by mobile phone number through authorization via postal account.
2009 New Features for PostFinance Mobile
Money Transfer, Top up talktime credit, account balance and transactions by text message
Date 7th June 2010 Version: V01.02 Classification: publicPage 3PostFinance, Mobile Monday NFC, Roland Greber
2008 Project HERMESNFC technology based contactless payment
Nokia 6131 NFC and/or contactless credit card
Staff restaurants from Credit Suisse, Swisscard und SIX
172 employees
Payment brand: Visa Paywave
Low value payments (up to CHF 40.-, without personal code)
Date 7th June 2010 Version: V01.02 Classification: publicPage 4PostFinance, Mobile Monday NFC, Roland Greber
Heterogeneous group of standardisation bodies
Date 7th June 2010 Version: V01.02 Classification: publicPage 5PostFinance, Mobile Monday NFC, Roland Greber
EMVCo
GSMA
NFC ForumGlobal
Platform
ETSI
Payment Systems
Mobey Forum
EPC
Challenges
– Lack of business model
– Customer identification (PIN, Personal Code)
– Number of applications on the mobile phone
– Storage of identification- and payment card-elements
– Payment process at point of sale (Identification, Amounts)
– Security
Date 7th June 2010 Version: V01.02 Classification: publicPage 6PostFinance, Mobile Monday NFC, Roland Greber
Theses / Assumptions on Mobile Payment
Mobile phone as personal financial assistant
Additional to payment cards, not replacing them
Global standards
No surcharge
Confidence thanks to financial brand
Date 7th June 2010 Version: V01.02 Classification: publicPage 7PostFinance, Mobile Monday NFC, Roland Greber
Anytime and anywhere –
with PostFinance Mobile.
Roland Greber
Tel. +41 79 459 74 58