L`avenir du paiement virtuel

«L’avenir du paiement virtuel»
Luigi Cito, Travel Industry Manager
Hotel Warwick Genève, 9 juin 2016
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Agenda
 Swisscard GmbH: qui sommes-nous?
 Paiement dans l’industrie du voyage: passé – présent – futur
 Table ronde «L’avenir du paiement virtuel – une vision de futur»
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Swisscard GmbH: qui sommes-nous?
 Activité: privés & entreprises
 No. 1 en Suisse avec 25% parts de marché
 30+ produits de cartes pour clients
particuliers et d’entreprise
 1.5 million+ de détenteurs de carte
 env. 650 employés à Horgen/Zurich
 Service clients 24x7 pour tous les clients
à Horgen
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Paiement dans l’industrie du voyage: passé – présent – futur
vPayment Network
A supplier payment solution for the travel industry
Paiement dans l’industrie du voyage: présent – futur
vPayment Network: Virtual Accounts
Create single-use virtual account numbers with
transaction-level spend controls and enhanced data
capture to securely pay and easily reconcile expenses
Single-use virtual
account numbers
Pre-defined controls
User-defined
enhanced data fields
This material contains information that is proprietary and confidential to American Express. It cannot be share with third parties with American Express’ written consent.
Paiement dans l’industrie du voyage: passé – présent
vPayment Network in action
Before vPayment Network
TMC
books
hotel
Employee/
Traveler
checks
in/out
Hotel
invoices
TMC
TMC receives
Invoices
invoices from reviewed and
many hotels
reconciled
TMC
invoices
customer
Invoices
Administrator
reviewed and pays TMC via
reconciled
BankTransfer
TMC pays
Hotel via
Bank
Transfer
Disadvantages
•
Highly manual and time consuming
•
Potential for billing errors
This material contains information that is proprietary and confidential to American Express. It cannot be share with third parties with American Express’ written consent.
Payment
received
by TMC
and hotel
Paiement dans l’industrie du voyage: présent – futur
vPayment Network in action
After vPayment Network
Automated
reconciliation:
each booking tied to a
unique card number
TMC books hotel
and sends the
virtual single-use
account to hotel as
part of the booking
Guest
checks
out
Hotel charges
virtual single-use
account
Payment accuracy
ensured via vPayment
Network control
parameters
This material contains information that is proprietary and confidential to American Express. It cannot be share with third parties with American Express’ written consent.
Paiement dans l’industrie du voyage: présent – futur
Automate Reconciliation
Single-use virtual account numbers with associated
expense data enable a complete payment settlement
reporting for automated reconciliation
1 to 1 expense to
transaction matching
Single file with
complete
reconciliation data
This material contains information that is proprietary and confidential to American Express. It cannot be share with third parties with American Express’ written consent.
Paiement dans l’industrie du voyage: présent – futur
vPayment Network in Action: Don, Meeting Planner
Request single-use account number
for each booking/category of spend
Set pre-authorised amounts to
match budget
Add meeting ID numbers, dept codes
to each account
Project:
Annual customer conference
Goal:
Create impactful experience
Need:Simple way to control budget
and reconcile costs
Use transaction file with data fields
to automatically map back to accounting
system
This material contains information that is proprietary and confidential to American Express. It cannot be share with third parties with American Express’ written consent.
Paiement dans l’industrie du voyage: futur
Le smartphone sera utilisé pour la création de cartes virtuelles et pour le paiement
American Express
Windows Phone App
MasterCard via
Samsung Pay
American Express on
Apple Pay iPhone and Apple Watches
bPay Bracelet in London Underground
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Paiement dans l’industrie du voyage: futur
Fusion entre paiement et gestion de dépenses
(lors de la création d’une carte, la dépense sera prête pour la comptabilisation)
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Paiement dans l’industrie du voyage: futur
La carte physique ne sera jamais supprimée à 100%
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Et maintenant… table ronde!
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