Communications Systems (66.77)

9th P.W. Digital Wallets

2013 - F.I.U.B.A - Argentine

CarisimoCarisimo Esteban - 91829Esteban - 91829Massaccesi Diego – 92469Massaccesi Diego – 92469

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Introduction: Mobile payment It refers to It refers to services that allows financial transactions services that allows financial transactions

through mobile devices.through mobile devices.

Advantages and features are different depending on Advantages and features are different depending on the company providing the service:the company providing the service:

•Financial InstitutionsFinancial Institutions•Alliances between different types of companiesAlliances between different types of companies•Telecommunications businessTelecommunications business•Personal credit cards.Personal credit cards.

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Application

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Application

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•Money transfers.Money transfers.

•Shopping.Shopping.

•Mobile payments instead of using cash.Mobile payments instead of using cash.

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NFC Technology

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NFC Technology: Providers

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Services / Applications

•Google wallet Google wallet

•TubilleteraDigitalTubilleteraDigital

•Momo pocketMomo pocket

•tPagotPago

•BlockChainBlockChain7Digital wallets -

TuBilleteraDigital

Is a mobile payment service in Argentina that allows Is a mobile payment service in Argentina that allows transfers and operations with banks trough text transfers and operations with banks trough text

messages. It also has a web portal that is integrated messages. It also has a web portal that is integrated with a rechargeable cardwith a rechargeable card

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Bitcoins

•Electronic money.Electronic money.

•Bitcoin is relatively a new project that is in Bitcoin is relatively a new project that is in progressprogress . .

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Bitcoins

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This application store information of:This application store information of:

Credit CardsCredit Cards

Debit CardsDebit Cards

Loyalty or Points CardsLoyalty or Points Cards

Prepaid CardsPrepaid Cards

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Launch day: 19 September 2011Launch day: 19 September 2011

Communication link: NFCCommunication link: NFC

Now a days only available under Android. Future Now a days only available under Android. Future expansion to RIM and iOS expansion to RIM and iOS

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Only in USA Google Wallet can be used as a mobile Only in USA Google Wallet can be used as a mobile payment. In other countries it is available as an online payment. In other countries it is available as an online paymentpayment

Users: Around 100,000 but small percentage really use itUsers: Around 100,000 but small percentage really use it

Where can be Used? In 200,000 shops across the USAWhere can be Used? In 200,000 shops across the USA

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Security:Security:

Any credit card data is stored at the deviceAny credit card data is stored at the device

The app is just a key to access to the server informationThe app is just a key to access to the server information

Avoid rip-off with stolen cardsAvoid rip-off with stolen cards

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How Google gets an income from this service?How Google gets an income from this service?

Like other payment services Google also get a little Like other payment services Google also get a little percentage of the final costpercentage of the final cost

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Monthly sales under $3,000

2.9% + $0.30 per transaction

$3,000 - $9,999.99 2.5% + $0.30

$10,000 - $99,999.99 2.2% + $0.30

$100,000 or more 1.9% + $0.30

Other Digital Wallets There are different kind of wallets, some can store There are different kind of wallets, some can store

credit cards and other can't manage money but can credit cards and other can't manage money but can store coupons. For example:store coupons. For example:

Apple's PasbookApple's Pasbook

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Info on-line [July 2013]Info on-line [July 2013]

• www.puromarketing.com/12/12491/tecnologia-www.puromarketing.com/12/12491/tecnologia-pagos-moviles-adoptara-masivamente-periodo.htmlpagos-moviles-adoptara-masivamente-periodo.html

• www.blockchain.info/wallet/iphone-appwww.blockchain.info/wallet/iphone-app• www.bitcoin.org/bitcoin.pdfwww.bitcoin.org/bitcoin.pdf• www.www.tubilleteradigital.comwww.www.tubilleteradigital.com• www.ieco.clarin.com/tecnologiawww.ieco.clarin.com/tecnologia• www.google.com/walletwww.google.com/wallet• www.momopocket.comwww.momopocket.com

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