mobile payments technology view - economia...turkcell mno tsm&ota zone4 nfc sim ... turkcell project...

Mobile Payments Technology View

Ján Franzen11.10.2012

Agenda> Company Profiles> Technology Alternatives

> QR, BAR, RFID> NFC

> Infrastructure> NFC solution of Cardtec Group

> Turkcell project> Advantages of NFC> Ecosystem

> Subscriber Experience

Copyright © Unicorn Systems 2

Company Profiles

> Renowned European company providing the largest information systems and solutions

> For more than twenty years has supported providers of banking services> European IT Excellence Awards 2011 - Technology Innovation of the Year

> One of the world’s leading innovative solution providers in contactless payments

> Business and technology know-how of NFC ecosystem in Turkey> The FIRST contactless credit card - Garanti Bank (2006)


Technology for mobile payments> SMS and WAP payments

> Failed due to reliability, security and speed

> QR codes> Scanning required

> RFID> Stickers, watches …

> NSDT> Near sound data transfer


Technology for mobile payments> Direct Mobile Billing

> MNO driven payments

> Mobile wallets> Prepaid limitation

> NFC> Full alternative to debit and credit card


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How NFC works

Copyright © Unicorn Systems

> NFC = Near Field Communication> Short-range wireless connectivity technology> Within four centimeters (max. 20 cm)> At 13.56 MHz> Data transfer rate 106, 212, 424 and 848 kbits/s

Technology for NFC Mobile Payments



Three modes of NFC

> Card Emulation> Enables devices to

act like contactless cards

> Works with existing contactless infrastructure

> Examples include NFC-enabled mobile phones used for payment and transit

> Reader/Writer> Enables devices to

interact with RF tags> Example includes

NFC-enabled mobile phones used to read “smart posters”

> Peer-to-Peer> Enables devices to

communicate with one another

> Works with existing contactless infrastructure

> Examples include connecting NFC-enabled laptops and printers or sharing photos between a camera and TV

Mobile payments as a enabler


NFC Ecosystem


NFC Solutions of Cardtek Group


Zone1Bank

Zone2Cardtek SP TSM

Zone3Turkcell MNO TSM&OTA

Zone4NFC SIM

Turkcell Project


EUROPEAN FIRST MASTERCARD CERTIFIED TSM STRUCTURE !!!

Service Provider Deployments in Turkcell Project

> Europe’s first MasterCard approved SP TSM is developed and MNO TSM system integration was done by Cardtek.

> Six banks’ backoffice system are integrated to SP TSM.> Project has been in production since 2011 Q2.


Turkcell System Extentions in 2012


Visa application with 512 K NFC SIM

Non-payment experience: loyalty applet

Payment for transport

Access control (pilot: Turkcell company access)

Multi-OS client support

More banks (from 7 to 12)

Advantages of NFC for Parties



Ecosystem is must

Thank you for your attention

Ján Franzen

Subscrieber Experience !!! Subscrieber Experience !!!

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Transferring…Transferring…Successfully CompletedSuccessfully Completed

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Successfully CompletedSuccessfully Completed


THANKS....

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mobile payments technology view - economia...turkcell mno tsm&ota zone4 nfc sim ... turkcell project...

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