Powered Cards 6/18/18 A full set of cards to acquire new clients, - - PowerPoint PPT Presentation

Powered Cards

6/18/18

A full set of cards to acquire new clients, increase revenue, innovate

2

18/06/2018

STRATEGIC

ACQUIRE new clients PROTECT your VIP customers LEVERAGE the card with proof of life

REVENUE

INCREASE your card spending volume DECREASE your fraud levels BOOST your cross-border e-commerce and contactless transactions

MARKETING

REINFORCE your brand CREATE an innovative

• ffer

GET your card top of wallet COMBINE 3 cards in 1

Powered Cards ranges

3

18/06/2018

AVAILABLE NOW TOMORROW

1

DISPLAY CARDS

2

MOTION CODETM

3

BLINK

4

F.CODE

eBank

SERVER

Powered Cards ranges

4 DI DISPLAY CA CARDS DS

eBank

MO MOTION CO CODE DETM

TM

BL BLINK F. F.CODE

MOTION CODETM

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18/06/2018

DISPLAY CARDS MO TION CODETM BLINK F-CODE

3 Magic Figures

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18/06/2018

+5% new customer acquisition cases of fraud +20% increase in CNP revenue

5 20 0 | |

For CNP transactions An additional layer of security

Take CNP payments to the next stage

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18/06/2018

An innovative payment card with a mini e-paper screen to display a dynamic CVV/C changing automatically every hour Seamless user experience No changes to the CNP process customers are familiar with No impact for e-merchants Check-out process unchanged Changing code makes duplication useless One out of two factors for Strong Authentication*

*Regulations in Europe (PSD2) & India

to validate the MOTION CODETM dynamic in the transaction flow MOTION CODETM server A robust AN END TO END SOLUTION

A perfect tool for your customer lifecycle management

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ATTRACT new customers Win new customers who want the increased security and/or the innovative aspect that MOTION CODETM offers INCREASE revenues

• n existing customers

Use MOTION CODETM as means to increase your customers’ e-commerce spending (paying with the card as they perceive it as secure) Replace cards that have been frauded by MOTION CODETM cards to regain customers confidence RETAIN disappointed existing customers

Boost e-commerce transactions

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18/06/2018

The MotionCode card is the card Awa uses most frequently for in-store payments as well Since Awa’s bank offered her the MotionCode card, Awa uses it for almost 50% of her CNP payments and she is now doing e-commerce more than before Awa, pharmacist, San Diego Awa regularly searches the web for interesting offers. She however is worried about fraud, and hence often choses COD as payment method Awa hasn’t experienced any single occasion of fraud with her MotionCode card

Your customers want to use their card online in a secure way

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>20%

make more than 5 transactions per month

1 out of 3

Are ready to pay for MOTION CODETM

>15%

Were victims of CNP fraud

52% were debited > 150 75% changed their online shopping behaviour afterwards

3 out of 4

Would be more likely to use a MOTION CODETM card

Versus a standard card for on line shopping A sample of 2,000 respondents 18+ distributed as 200 people by country (deuts/AGESIS, 2015) + customer feedback

80%

• f CNP fraud is non-

domestic

MOTION CODETM spreading through the world

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references Some

Advanced discussions Commercial deployments

Purchase process unchanged for consumer and merchant

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18/06/2018

Static CVV card

1

Card data (PAN, expiry date and CVV*) entered by cardholder on e-m erchant’s site The PSP of the e-m erchant sends the card data to the acquiring bank of the e-m erchant

2

The acquiring bank sends the card data to the card network

3

The card network sends the card data to the issuing bank

4

Issuing bank Cardholder Acquiring bank e-Merchant Scheme

1 2 3 4 5

The issuing banks controls the account of the cardholder and approves the transaction

5

Purchase process unchanged for consumer and merchant

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MOTION CODETM 3

Result (Valid / Invalid) is routed back to the issuer’ server

1

Card is recognized as a M O TIO N CO DE™ one by its PAN or BIN : as a result, CSC** check is routed for validation towards the O T M O TIO N CO DE™ server

2

Issuing bank Cardholder Acquiring bank e-Merchant Scheme

3 1 2

The O T server com pares the M O TIO N CO DE™ subm itted with the one it calculates

NO CHANGE for consumer NO CHANGE for e-merchant NO CHANGE for card present merchant

Turn the CVV into an unreplicable element of security

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18/06/2018 ELECTRONIC Components inside the card to calculate Card Security Code* according to time EMV Antenna for contactless EMV Chip BATTERY

ISO 7816 standard format EMBOSSAGE Possible REFRESH ON MINI E-PAPER SCREEN

MOTION CODE™ appears permanently Automatic

Motion Code Verification Server (MCVS): 3 possible scenari

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• 2. HOSTED BY PROCESSOR

Network Merchant Processor

• 3. HOSTED BY ISSUER

Network Merchant Bank/issuer

• 1. VISA SERVICE

Network Bank/issuer Merchant

MOTION CODETM is a end to end solution (issuer centric)

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MOTION CODETM is a solution combining a card and a server software 1

Card data (PAN, expiry date and MOTION CODE™) sent “normally” via Payment Service Provider up to the issuer’s authorization server, just as a transaction with a “normal” card

2

Card is recognized as a MOTION CODE™

• ne by its PAN or BIN:

as a result, CSC check is routed for validation towards the IDEMIA MOTION CODE™ server

3

The IDEMIA server compares the MOTION CODE™ submitted with the one it calculates

4

Result (Valid / Invalid) is routed back to the issuer’ server

5

Transaction is approved/rejected ISSUER'S AUTHORIZATION SERVER MOTION CODE

SERVER

MOTION CODE

845 845 845 1 2 3 4 5

MOTION CODETM for your card future

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18/06/2018

THIS IS WHAT we have done + 400,000 cards + 4,000,000 dCVx transactions + 10 live implementations

000

?

THIS IS WHAT An innovative payment card with a mini e-paper screen to display a dynamic CVV/C changing automatically every hour A MOTION CODETM verification server (MCVS) to validate the MOTION CODETM dynamic CVV you need + 5% new customers 20% additional CNP spend 0 cases of CNP fraud THIS IS WHAT happened What can we do TOGETHER?

F.CODETM

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DISPLAY CARDS MOTION CODETM BLINK F-CODE

Your customers want an innovative bank integrating biometrics into payments

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SECURE 73% see biometrics as a secure method

• f authentication*

CONVENIENT 93% rate fingerprint recognition is highly convenient** 31%

• f under 35s in the UK

stating that they now find PINs an annoying step in the payment process* THE FUTURE PIN

INNOVATE

Brand yourself as a bank for the 21st century to acquire new customers

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ACQUIRE INCREASE Increase your card spending volume*

Enable your card for high-value contactless transactions, in com pliance with PSD2 (Europe)

GET your card top of wallet

Acquire new clients An attractive card for High Net W orths as well as Innovative M illennials

IMPROVE

Im prove the card experience for cross-border

• travellers. Don’t reject any valid transactions

as your custom ers travel Create a 21st century branding * In the UK, the number of (contactless) transactions more than doubled as the contactless limit was increased from 20£ to 30£

ENRO LM ENT/eKYC At the bank or on cardholder m obile

Embrace the card future with biometrics

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18/06/2018 PIN Replace the with a fingerprint Biom etrics = a future proof 21st century PIN TERM INALS No DATABASE M anagem ent Fingerprints stored

• n the card

A fingerprint sensor integrated

• n an ISO standard paym ent card

PAYMENTS

The proof of life and identity aspect opens up for e.g. access control & eKYC The proof of life and identity aspect opens up for e.g. access control and eKYC No change for custom ers

• r m erchants – easy

to deploy and use Can be used at any existing Leverage the card beyond

• ptions

… F.CODE WILL HELP YOU ACQUIRE CUSTOMERS No matter which segment you target…

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A device to stay top

• f Millennials' wallets

Laís Ponce Age 25 Designer, recently graduated from the University of São Paulo

An exclusive product for your most affluent customers

Matt Palmer Age 52 International Sales Director

• f high-tech company

Stay on top of your customer’s wallets

Laís carries multiple cards in her

• wallet. She keeps a list of the PINs
• f the various cards, as she always forgets

which PIN goes with which card Laís tends to use her F.Code more often than the other cards as she never need to worry about remembering the PIN

18/06/2018

23 Laís’ new job means meeting customers all over the world, and she feels secure that her F. Code will not be rejected as she is abroad Laís didn’t have to change any habits with the F. Code, it was easy to start using it

Strengthen loyalty to your must affluent customers

Status symbols (priority check-in, business class seating, room upgrade) are very important to Matt With the F.Code, Matt feels exclusive & treated as a very important customer of this bank

18/06/2018

24 Matt really likes to pay for e.g. a customer dinner with a contactless transaction Matt enjoys showing his surrounding in what an innovative way he can pay

Integrate biometrics for your payments future

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ISO 7816 standard format FINGERPRINT Sensor LEDs FINGERPRINT Storage F-Code controller EMV Antenna EMV Chip

Seamless enrolment: which option suits you best?

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At home

• n a mobile

At a portable enrolment station At the Bank ATM At home

• n a PC

At the Bank branch

F.CODE for your card future

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18/06/2018

An innovative solution to manage fingerprints enrolment either at the branch or at home + THIS IS WHAT An EMV card with a biometric sensor to replace PIN for Contact and Contactless payments you need

?

What can we do TOGETHER?

000

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18/06/2018

BLINK

DISPLAY CARDS MOTION CODETM BLINK F-CODE

Facilitate the everyday life of your customers

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18/06/2018 No im pact for PO S term inals, im m ediate adaption for m erchants

EQUIP OFFER ENABLE

your custom ers to select their preferred application your custom ers m onthly instalm ents

CAPTURE

your custom ers’ joint and corporate account your debit custom ers with a credit card A m ulti-application card with a button to select

• ne out of 5 applications

GAIN

flexibility by offering contact as well as contactless

BOOST

your card with 2 to 5 applications

Enable your customers to carry only YOUR card in their wallet

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ALL YOUR CARDS IN ONE

Convenient and intuitive user experience

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1 2 Press the button to select an application LED lights up & blinks in front of selected application

Increase your revenues by enabling multiple functions

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1

MULTI APPLICATIONS

Debit Credit Loyalty Prepaid

2

MULTI ACCOUNTS

Personal account Joint account (fam ily) Corporate account (business)

3

MULTI INSTALMENTS

Pay all at once Choose instalm ent option 1 (e.g. 3 m onths) Choose installm ent option 2 (e.g. 12 m onths)

4

MULTI CURRENCY

Any currencies, e.g. € - EUR £ - G BP ¥ - JPY $ - USD

Reach the segment you’re aiming for

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Michael, 33, Rio de Janeiro, is in the process of moving into a new apartment with his girlfriend and really appreciates the predefined instalment option as he buys electronics and furniture Roger, 59, Zürich, has started to use his card for short-term credits since a credit application was added to the same card that had the debit application Saanvi, 42, Bombay, is frequently

• n business trips to Japan.

When she uses her card in Japan, she feels assured paying with the Yen application

Integrate several applications into one card

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ISO 7816 Standard format A BUTTON To press LEDs BLINK Controller EMV Antenna EMV Chip as an option

A lithium PAN Secondary PAN BATTERY 2

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THIS IS WHAT An EMV card with buttons, enabling the cardholder to choose from multiple applications you need

?

What can we do TOGETHER?

Blink for your card future

000

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18/06/2018

Display card

DISPLAY CARDS MOTION CODETM BLINK F-CODE

Leverage the payment card

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EXTEND REPLACE COMBINE The OTP function with the payment function

Hardware dongles and O TP received by SM S Your services card base A card form factor to securely generate O TP ISO 7816 Card Form at

SAVE

M oney by avoiding to pay for O TPs by SM S

INCREASE

The security or high value transactions by replacing SM S by the card for O TP generation

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18/06/2018

Olga and Vladimir are not very comfortable with logging into their internet bank via an OTP generated from a smartphone app Olga doesn’t trust smartphone apps, and would never use them for anything related to finance or money. She finds the card a much more secure and convenient way to get her OTPs Vladimir trusts his payment card, and finds it natural to log in to the internet bank with the help of another bank product, the card

Leverage your card to an alternative for OTP

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18/06/2018 A card form factor to securely generate O TP ISO 7816 Card Form at EM V Chip EM V Antenna (option) KEYBO ARD

(option)

ISO 7816 Standard format

CLO CK

(option)

BUTTO N BATTERY M INI E-PAPER SCREEN

A chip generating an OTP based on an algorithm

A multi-function card

0000

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18/06/2018

WHAT Have you already implemented a server? Have you already chosen an OTP based algorithm? Do you already have OTP generator systems (tokens, mobiles apps…)? do you already have in place?

?

What can we do TOGETHER?

000

Multibutton for your card future

A full set of cards to acquire new clients, increase revenue, innovate

41

18/06/2018

STRATEGIC

ACQUIRE new clients PROTECT your VIP customers LEVERAGE the card with proof of life

REVENUE

INCREASE your card spending volume DECREASE your fraud levels BOOST your cross-border e-commerce and contactless transactions

MARKETING

REINFORCE your brand CREATE an innovative

• ffer

GET your card top of wallet COMBINE 3 cards in 1

Powered Cards ranges

42

18/06/2018

AVAILABLE NOW TOMORROW

1

DISPLAY CARDS

2

MOTION CODETM

3

BLINK

4

F.CODE

eBank

SERVER