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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
Mobile Payment Solutions
Agenda
• Introduction – Servebase/Thyron Systems• The Mobile payments market• Current solutions• New developments
Mobile Payment Solutions
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
Mobile Payment Solutions
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
Mobile Payment Solutions
Market Sectors
Mobile Payments Transportation Hospitality
Mobile Payment Solutions
Thyron UK Strategic Partners
• GPRS partners
• Wireless-LAN partners
• Card processing bureau Partner
Mobile Payment Solutions
MOBILE PAYMENTS MARKET…
Mobile Payment Solutions
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 Solutions
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
Mobile Payment Solutions
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
Mobile Payment Solutions
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 Solutions
Mobile Payment Terminal
MPT500 Series Mobile/Portable Card Transaction Terminal
Mobile Payment Solutions
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
Mobile Payment Solutions
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
Mobile Payment Solutions
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
Mobile Payment Solutions
NEW DEVELOPMENTS…
Mobile Payment Solutions
WiFi Chip & PIN Hotspot Solution
Mobile Payment Solutions
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
Mobile Payment Solutions
WiFi Chip and PIN Hotspot Solution
MPT510 Terminal
Authorisation/Settlement
PC-EFT or Axissolution
Wireless Hotspot
Bank
Mobile Payment Solutions
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)
Mobile Payment Solutions
“MOBePOS”
Mobile Payment Solutions
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
Mobile Payment Solutions
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
Mobile Payment Solutions
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!
Mobile Payment Solutions
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
Mobile Payment Solutions
Servebase Global Card Solutions
THANK YOU AND ANY QUESTIONS
Introduction to Mobile Payments
Servebase Global Card Solutions & Thyron Systems
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