session 2.4 - integrated transport
DESCRIPTION
Presenter - Ravi JainTRANSCRIPT
Transit – Technology Play
PayCraft Solutions Pvt. Ltd.
Whenever | Wherever | However
Who are we ?PayCraft is a cards and payments consultancy and solution provider. We are the preferred partners for payment solutions to global/domestic payment schemes, banks, transit operators, government agencies, toll operators, sports authorities, payment gateways, payment processors, card associations, payment instrument manufacturers, telecom and many others. PayCraft has proven expertise to traverse the full product life cycle path. The path covers design, development, testing, certification and deployment. We provide an end to end customer support for developing business models and technical solutions for our esteemed clients. We have extensively worked with metro operators, bus operators, toll agencies and financial institutions in India.
What we stand for ?At PayCraft, we’re committed to helping our people, our clients and our wider communities achieve their potential.
It’s how we make a difference.
PayCraft – Introduction
Promoters: Group of professionals with 50+ man-years of experience in the Consulting & ITES industry.
Locations: Sales Office: Mumbai
Development and support center: Pune
Why Paycraft ?Solution based consulting with software and process optimisation
Trusted and proven Global Partner in payments
Sustainable and affordable after sales support
Leading Banks, Multinationals, Consulting Companies as clients
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Technology – Impacting daily life
«Paying for public transport should be as easy as buying a sandwich «
Shashi Verma, Tfl
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Two major transit models
CLOSED LOOP OPEN LOOP
Security
Usage Areas
Top Up
Interoperability
Cost of Ownership
Value Added Service
Provided by old methods Advanced security with EMV based new technologies
Only transit Transit, Toll Collection, Loyalty, Campus, Vending Machines
Usage of Mifare POS terminals, Ticketing Machines
Usage of Bank POS, ATM, IVR, Mobile Phones and Ticketing Machines.
No Nationwide and international usage thanks to EMV based open standards.
System is invested only by Transit Company Reduced cost due to multi party involvement.
Very limited Extensively usage of payment, loyalty, couponing, ticketing applications.
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Closed loop - Challenges
► External interfaces with 3rd party smart card host► Interfaces of AFC with CCHS► Card and terminal interfaces
► SAM interface specifications► Current terminal specs have limited card-type reading
capability
► Vendor specific card data definitions
► Risk of other transit operators forced to go with the same vendor because of lock-in
► Interoperability of standards being replaced with mandating the use of same vendor’s solution
► Deterrence in revenue opportunities for allowing business partners such as FIs and retail business owners
► Cannot adopt open-loop EMV payments for easy acceptance outside transit
► Cannot allow multiple financial agencies to promote card with revenue-accrual outside transit
► High costs incurred due to usage of CCH given by closed loop solution providers
► No scalability to multiple applications (outside transit) because of using proprietary solutions
► Limited choice of products - transit specific CCHS► High costs of ownership
Constraints due to CCH closed loop solution providersVendor lock-in for technology interfaces of AFC
Limitations to promote transit card as multi-purpose card
Limited options for transit operators to adopt Other transit operator’s card
Challenges
01 02
03 04
Immediate term
Long term
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CARD ► Card data definitions
Level 1
Level 0
DEVICESSAM
Card Read/Write
► Device-card interface specifications
► SAM interface specifications
POS
AFC System
Configuration data
Usage data ► Security specifications
Level 2
Smart card host & CCHS
Configuration data
Black list
Crypto keys
Usage data
► AFC system – SC Host interface specifications
► Configuration data definition
► Usage data definition
► External interfaces
Vendor Lock-in issues @
1. External interfaces with 3rd party SCH
2. Interface between the AFC system and the CCHS
3. Interface specifications between the card and acceptance terminals
4. Vendor specific SAM interface specifications
5. Vendor specific card data definitions
Challenges at all levels
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Open loop – Options available
UTIITSL Incomplete specifications No support for specifications and implementation Complex organizational structure
OSPT – Open Specifications for Public Transport Internationally open standards and specifications Non EMV based specifications supporting multi modal
transportation EMV (Europay, MasterCard, Visa)
Open standards for payment cards Highly secured, interoperable and scalable Could be used for transit, loyalty or any other businesses
NPCI transit specifications Open specifications for transit based on EMV
Card Architectures – EMV with Legacy Systems
Mifare(Desfire, Classic) Transit Emulator
Transit Prepaid Account
MasterCard PayPass, VISA payWave Application
This architecture keeps supporting existing Mifare standards for old terminals and EMV standard for new ones
Card Architectures – Prepaid with Shared Account
Custom Transit Application
Shared Balance
• Prepaid account is managed in the card• Custom transit application keeps transit(monthly pass, discounts, etc) and
cardholder related data to help calculating fare amount• Shared balance for all transit, retail and other transactions• Allows offline risk management and offline transactions• Ideal for full EMV migrated markets
EMV Application(PayPass, payWave, ...)
NFC in Transit
Transit application on Secure Element (SIM, Embedded or Micro SD)
Transit Application on Wallet
Integration with Cardtek / 3rd party TSM Systems
Top Up process through NFC Phones
Access to Timetable and Tariff information through mobile phones
Access to Transaction History through mobile phones
Buying ticket through mobile phones or payment terminals
Additional campaign and loyalty information on NFC phones
Download timetable and tariff informationBuying ticket, top up
Access control
Advertisements
Loyalty and Rewards
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Card Architectures – Prepaid with Shared Account
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Contactless Transit – Form Factors
The Mini Card
The Key Fob
The WatchThe MC² Card
The Mobile Sticker NFC and Mobile DevicesThe Mobile Sticker
Turkey Football Fedaration and TransitCafe
Stadyum
• The solution is implemented in • 31 stadium• 1100 turnstile• 3.5 million cards targeted• EMV credit, debit,
prepaid• MifareDesfire• Transit integration with
local cities• Use of the card in coffee
shops as MasterCard/Visa prepaid card
BAKU TRANSIT / Bank of Azerbaijan
Debit Prepaid, Credit and No Name Prepaid cards
Top – Up (via POS & Kiosk terminals, from customer account)
1st phase : 550 validators in total, 2nd phase : 2200 validators in total
• Use cases;
Payment card Debit card Transportation (Buses, Metro)
AKTİFBANK CASE STUDY
AWARDS : Best Non-U.S.-Based Prepaid Program category
Best Third-Party Prepaid Product Retailer category.
Use Cases • Shopping in restorants, retails, cinemas, football stadiums• Transportation (buses, metro)• Campus, Student Card• Parking• Water, Electric, Gas MetersLoyalty • Get points, coupons after each transaction Prepaid• Top Up Management
BANK ASYA CASE STUDY
• Complete city card solution by using the contactless EMV technologies ie Visa Paywave & MC Paypass and Mifare.
• Complete SmartSoft City Card, Transportation and Ticketing Solution
Bank Asya’s City Card Concept
Use Cases transportation, car parks, toll-payments, vending machines, stadiums, movie theathers, as campus card/student identification
card, as library card,