Target – NFC HCE.

Our solution - HCE

mWallet vs Plastic Card & Cash

How does it work – the Issuer experience

Mobile Phone Always and everywhere

How does it work – the Merchant experience

Makes Mobile Payments Simple

Makes Mobile Payments Simple forDevelopers and End-Users

mWallet platform architecture

mWallet platform architecture

Universal

• to quickly design and deploy any Android and iOS based applications

• supports online and proximity transactions

• any International Payment System (VisaInternational, Master Card, American Express, Dinners Club)

• any cards (loyalty cards, coupons, tickets, ID..)

• no plastic card required to issue a digital one

Secure

• aligned with Visa & MasterCard specifications for cloud-based payments and EMVCospecification for tokenization

• approved by Visa and MasterCard

• supports security levels requested by card issuer

Independence and Interoperability

• Mobile Network Operator, vendor and Trusted Service Manager are not involved in service providing

• enables banks to extend the reach of their digital card products beyond their own apps

• an option to have an open mWalletas a standalone app to other banks to drive continued use

Questions ?