MOBILNA PLAĆANJE mPOS

MOBILNA PLAĆANJE
mPOS
mobilna plaćanja platnim karticama
Branislav Popović
direktor prodaje
branislav.popovic@asseco-see.rs
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Asseco SEE
Ljubljana
Chisinau
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Top player for banking in SEE
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1.700 employees in the region
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450 employees in Serbia
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Top 5 Truffel company (own SW)
Zagreb
Bucharest
Sarajevo
Belgrade
Podgorica
Sofia
Prishtina
Tirana
Skopje
Ankara
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11 countries
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135m people
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Software and competences have to be multilingual,
multicurrency
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Listed on Warsaw stock exchange
http://www.gpw.pl/karta_spolki_en/PLASSEE00014/
E-trgovina 2014
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solutions for demanding business
Asseco SEE Solutions and Services
Banking & Financial
Payments
63 out of 254 banks in SEE
region* are using our CORE
systems and most of others are
our clients
Transferring global trends into
local markets and shaping the
payment industry in the region
Focusing on value
added to our Clients
Telco & Utilities
Solutions are based on proven
technologies and the latest
trends in IT.
Public Services & Government
 Custom made solutions for
diferent area in Public sector
 Solutions for geographical
and spatial data and systems
for metropolitan networks
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*excluding Turkey
solutions for demanding business
Asseco SEE - Payments
74 Banks have chosen
ASEE to be their partner
for ATM and 76 for POS
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Loyalty
Couponing
Installment
E-Vouchers
Payment Solutions &
Services
 EFTPOS & ATM
 E-Commerce Payment
Services
 Payment solutions
 Loyalty Solution
 SEPA Direct debit
 E-Banking
 Universal Payment
Gateway
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Mobile Payments
NFC and Contactless
payment
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eBanking
SEPA direct debit
3DS & E-commerce
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solutions for demanding business
mKupi- first regional mPayments project
Zagrebačka banka, Croatia
(member of Unicredit Group)
• First mobile payment solution in
cooperation with big retailers (Konzum,
Tisak)
• Leverage on existing infrastucture
(mbanking app + POS infrastructure)
• Simple & fast
• Upgrade to NFC for 2015
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solutions for demanding business
Asseco – Telenor: first mobil Bank
• First regional MNO Bank implementation
• launched 09/2014
• ASEE is FULL Solution provider!
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Core banking
M banking
eBanking
Full function ATMs, recyclers
• Advanced mobile services
• P2P payment
• Bill Payment
• PFM
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solutions for demanding business
mPOS
mobile payments with payments cards
 New form of card acceptance front end system
 combination of card reader device and mobile device (mobile
phone or tablet) for communication and value added services
How mPOS work
solutions for demanding business
mPOS ecosystem
Customer
Payment card
Post office merchant
Cash register app
Service Provider
Payment Gateway
C&P BT reader
Acquirer
MC/Visa connection
card processing
Smartphone app
Payment
Card payment
Merchant mng
Clearing
Loyalty
Loyalty
Terminal mng
Settlement
Inventory
Inventory
Authorization
Reporting
Loyalty
Cache payment
Reporting
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solutions for demanding business
Smart phone or tablet application
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Cash register application (Android&iOS)
Manage interaction with reader & Merchant server
Multi-Factor Authentication
Product Management
Payment method: cash or card
value added services
Transaction overview
Signature support
SMS or E-mail receipt
Optional printer support
API model support for existing solutions
Android & iOS
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solutions for demanding business
HW Example –reader
 Full Chip & PIN companion for a Bluetooth enabled device:
smartphone or Tablet
 ASEE PayPro Telium2 platform app
 Contactless support
 High-end 1D/2D barcode reader option on iSMP
 meets all security & payment standards:
EMV, PCI PTS 3.0, PayPass™, PayWave™, etc.
 Certified Payment App
 Encryption service (SRED)
 P2P encryption
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solutions for demanding business
ASEE mPOS architecture
solutions for demanding business
mPOS use case 1 – Delivery service
 Easy card acceptance for the delivery service
 Compact and easy
 Integration with the existing CRM application of the
client
 Combination with Bluetooth printer possible
 Example: Interspar/Spar delivery service, postal
services
solutions for demanding business
mPOS use case 2 – Small and Micro
segment
 Card acceptance for the previously uncovered segment
 Estimation on ~5 000 000 Merchants in EU only
 Small kiosks, in house repairs, beach vending, ticketing
etc.
 Combination with Bluetooth printer possible
 Turnkey solutions
solutions for demanding business
mPOS use case 3 – Taxi service
 Card acceptance for the previously uncovered
segment
 Integration to the existing taxi app via API mode
 Upgrade with LBS features
 Easy and compact
 Combination with BT printer
solutions for demanding business
mPOS use case 4 – SME and Large
retail „off the shelf”
 Introduced first by Apple in Apple Stores
 Increases sale by 30%
 Sell „off the shelf” without the standard checkout
process
 Followed by Loewe’s, Victori Secret, JC Penney…
 Upgraded to support standard cash register layout via
mPOS+ Tablet combination
MOBILNA PLAĆANJE
mPOS
mobilna plaćanja platnim
karticama
Branislav Popović
direktor prodaje
branislav.popovic@asseco-see.rs