0
0ASEANFICJakarta22nd May 2013Ng Kian SengManagePay GroupMalaysiaEmpowering SMEs with Mobile Payment
1 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedManagePay N2N Secure Transaction Soluti...
2 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedManagePay CredentialDigital Malaysia Na...
3 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMobile Payment Opportunities in Payment...
4 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedWhat is MPOS• Mobile as the Point of Sa...
5 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY Mobile POS Payment Solution[MPAY i...
6 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY EMV Level 2 MPOS SolutionFull EMV ...
7 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Market PotentialMarket Research by...
8 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Target Merchant Based• Require Low...
9 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Vs POS TerminalsAdvantages of MPOS...
10 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Supported Acquiring Model• Tradit...
11 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Payment System Components
12 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Application Screen FlowKey in amo...
13 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS EMV Level 1 Chip ReadersUSB ICC C...
14 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Magstripe ReadersImag Reader(For ...
15 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY Mobile POS Devices RoadmapSmart G...
16 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS EMV Level2 Kernel & Application S...
17 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Control• MPOS Solution m...
18 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Dispute & Chargeback PreventionMa...
19 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances ...
20 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances ...
21 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY EMV Level 2 Kernel Certified by E...
22 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances ...
23 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY PCI DSS CompliantComing Soon ..Ce...
24 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances ...
25 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY MasterCard MPOS Program Certified...
26 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances ...
27 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedSummary• MPOS solution will be the cat...
28 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedThank youNg Kian SengManagePay Systems...
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Empowering smes with mobile payment

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Empowering Mobile payment and mobile point of sales in Malaysia

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  1. 1. 0ASEANFICJakarta22nd May 2013Ng Kian SengManagePay GroupMalaysiaEmpowering SMEs with Mobile Payment
  2. 2. 1 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedManagePay N2N Secure Transaction SolutionCard Issuing ApplicationCard and Card AppletsEMV Card toolkits & CardMailer ProgramPersonalization ServiceFront Office ApplicationAcquiring System & Network solutioncovering EDCPOS Payment, Mobile POSPayment, & Internet Payment, with VASon Loyalty System, Prepaid Top UpSolution, Billing, Voucher and TicketingSystem• CLMS – CardGain LoyaltyManagement System;• MPTUS - Multi-purpose PaymentTop Up Solution.• MDEX– B2B2C E-Commerce Solutionand Services• Sinatec Enterprise Application – ERP,POS, Mobile Applications.Back Office ApplicationEMV Issuing ChipPersonalization Services(Since 2004)EMV Acquiring Network &Terminal Services(Since 2004)N2N Enterprise Applicationfor Payment Services(Since 2000)
  3. 3. 2 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedManagePay CredentialDigital Malaysia National ICT Initiative ProjectManagePay Payment Service brand “MPAY”, anEntry Point Project of Digital Malaysia MasterplanEnabling E-Payment Services for SMEs &Micro EnterprisesFrost & Sullivans 2012 Asia Pacific New ProductInnovation of the Year AwardMobile Electronic Payment Terminal Solution
  4. 4. 3 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMobile Payment Opportunities in PaymentAcquiring IndustryMobile Wallet Payments Track users for offers and loyalty Promoting digital wallet over cardMobile ProximityPayment Mobile device as alternative to card.MPOS (Mobile Point of Sales) Mobile device used as merchant’s POSMobile Web Payment Payment through mobile browser, orapplication for card non present transaction.
  5. 5. 4 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedWhat is MPOS• Mobile as the Point of Sales.• Every mobile devices as a secured cash register• MPOS solutions allow merchants, includingconventional retail merchant, door-to-door salespeople, trades people, and street vendors toeasily accept all available card scheme via theirmobile devices.
  6. 6. 5 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY Mobile POS Payment Solution[MPAY is the payment brand of ManagePay]
  7. 7. 6 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY EMV Level 2 MPOS SolutionFull EMV Mobile POS Payment Solution Cross Multiple Platforms
  8. 8. 7 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Market PotentialMarket Research by– ReportsNReports (US based market research company)• Forecasts that by 2017, MPOS unit is expected to growfrom 4.5 million to a staggering 38 million, drive by growthin retail sector and more smartphone and card users.• By 2017, adoption of MPOS unit over conventional POS terminals will be46%, as opposed to 17% on 2012– IDC (International Data Corporation) has projected 1 billionSmartphone ship globally by 2015, support growing of MPOS.– Juniper Research has projected global mobile payment value by 2015is around USD670 billion.
  9. 9. 8 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Target Merchant Based• Require Lower Ownership and Setup CostMerchants who find the cost of setting up and maintaining aconventional purpose-built POS Terminal too high to allow forprofitable card acceptance, particularly small merchants(SMEs or Micro Enterprises) who have low retail volume• Doing Business on the moveMerchants who need an alternative to fix telephone line due toa lack of available infrastructure or because of the mobile natureof the merchant’s business• Enhanced Retail ‘s Customer ExperiencesMerchants who wish to enhance the retail experience by shortening lines or offering product look-upsand payment throughout the store, through flexible integration between MPOS solution with theirpresent point-of-sale system.• First Time MerchantMerchant who never accept card payment before, and now being offer a simple and cheap solution toexpand their business sales*Approximately 75% of the MPOS merchant are First Time Merchant
  10. 10. 9 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Vs POS TerminalsAdvantages of MPOS solutions versus conventional POS terminals:• Lower total cost of ownershipMPOS solutions are being offered either for free or at a very low cost.Many merchants already own suitable mobile devices, so they can avoidadditional costs related to purchasing, deploying, and maintaining aPOS terminal.• Better mobility and greater ease of usePerfect solution for mobile merchants with no fixed place of business, doing business on the move.• More flexible software development platformsIntegrate easily with existing solution or development environments for greater service and paymentexperiences.• Better user interfacesFriendly and simple design make it usage friendly for merchant and consumer• Centralize cloud based application management, lower cost of maintenancePayment application managed on the cloud, all software patches, update and enhancement is easily donethrough an app update on iOS AppStore, Google Android Play Store, and Windows Store. Cutting downtremendous support and maintenance cost.
  11. 11. 10 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Supported Acquiring Model• Traditional acquiring channel throughBank Direct and Card Scheme appointedISO/MSP for member bank• Card Scheme’s TPA Model, Visa PSP (Payment ServiceProvider) & Mastercard PF (Payment Facilitator) forSMEs & Micro Enterprises supporting annum sales lessthen USD100k per card scheme.
  12. 12. 11 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Payment System Components
  13. 13. 12 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Application Screen FlowKey in amount and productdescription & photo (if any),then tap on PAY buttonInsert card reader theninsert payment card. Tap onSUBMIT button once thecard reading processcompletedOnce the transaction approved bybank, sign on the page and tap on NEXTbuttonGPS location being captured for furtherproof of transaction.Key in the customer emailaddress and tap on SUBMITbutton to send digitalpayment receipt throughemail. (SMS is optional)
  14. 14. 13 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS EMV Level 1 Chip ReadersUSB ICC Chip Reader(For Android & Windows)EMV Level 1ICC Chip Reader(For iPhone, Android & Windows)EMV Level 1 with DUKPT,supporting P2PE (Point to Point encryption)
  15. 15. 14 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Magstripe ReadersImag Reader(For iPhone)UniMag Reader(For iPhone &Android Phone)
  16. 16. 15 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY Mobile POS Devices RoadmapSmart Gadgets:Mag Strip (Non-EMV) or ChipReader (EMV L1)Bluetooth PinPadwith Chip andMagStrip Readers(EMV L1)All-in-1Bluetooth PinPadwith Chip andMagStripReaders (EMV L1)plus offline EMVL2 Kernel, printerand contactlessreader (supportsVisa PayWave,MasterCardPayPass, Touch ‘nGo)
  17. 17. 16 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS EMV Level2 Kernel & Application Server• Server based EMV L2 Kernel which able tosupport multiple smart phone platform, i.e.iOS, Android, Windows Mobile, etc.• Online authentication transaction onlywhich shorten the card processing time.• PCI-DSS Compliance on Processing,Transmitting and Storing of EMV carddata is implemented compliance with PCI-DSS standards
  18. 18. 17 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Control• MPOS Solution must be in compliances with regulated policiesand standards defined by Card Scheme & PaymentGovernance bodies.• MPOS Solution must adhere to some security practices here:i. Securing MPOS Payment Applications• Industry recognized secure coding practices• MPOS application can be activated and disabled remotelyii. Securing Transaction Data Captured by an MPOS Card Reader• Utilize point-to-point encryption (P2PE) which encrypts transaction data within the MPOS card readerand transmits the enciphered data via the mobile device to the MPOS remote host. No data capturedat the mobile phone.• Authentication of the MPOS application and card reader accessory to ensure that data can onlyoriginate from legitimate merchants using genuine MPOS solutions.• Transaction data received from the MPOS solution are validated at remote host to ensure it isauthentic.iii. Securing Card Holder Data on mobile device• No storing of card holder data in the mobile device, must be in compliances with the PCI PA-DSSstandard.* MPOS Solution is developed with strict regulated guidelines and processes, it will be discuss further in the topic onGuidelines, Compliances and Policies.
  19. 19. 18 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Dispute & Chargeback PreventionManagement• Support Card Present Transaction like conventional POS terminal, forboth EMV (Chip and Sign) and Magstripe Card• Sharing similar risk with conventional POS terminal on easilyfraudulent magnetic stripe card. Acquirer manage their risk controlbased on present practices• MPOS Full EMV Solution able to provide better dispute & chargebackcontrol features over POS terminal, such as– Allow capturing of sold product pictures and description for moreefficient dispute and fraud investigation– Allow capturing of GPS location on location of sales, firming the locationof transaction for efficient dispute and fraud investigation– Centralize secured cloud server, able to produce detail transaction reportwithin minutes to speed up dispute and fraud investigation
  20. 20. 19 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances & Policies - I• Governance & Compliances Body– EMVCo– PCI SSC (PCI Security Standard Council)– Card Scheme such as Visa, MasterCard & AMEX
  21. 21. 20 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances & Policies - IIEMVCo– EMV Level 1 Cert for ReaderMPOS Reader must be EMV Level1 compliance to support EMV chip reading.Level 1 Type Approval process tests compliance with the electromechanicalcharacteristics, logical interface, and transmission protocol requirements definedin the EMV Specifications, which covers physical, electrical and transport levelinterfaces.– EMV Level 2 Cert for KernalMPOS Application Server must support a certified EMV Level2 Kernel.Level 2 Type Approval tests compliance with the debit/credit applicationrequirements as defined in the EMV Specifications, which covers paymentapplication selection and credit financial transaction processing.
  22. 22. 21 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY EMV Level 2 Kernel Certified by EMVCONovember 2012
  23. 23. 22 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances & Policies - IIIPCI SSC (PCI Security Standard Council)– PCI DSS (Data Security Standard)Set of policies and procedures intended to optimize the security of credit, debit and cash card transactions andprotect cardholders against misuse of their personal information. It cover the security protection for card dataProcessing, Transmitting & Storing. Acquirer or Payment processors must certified with the PCI DSS ServiceProvider or in compliances to roll out the MPOS solution.– PCI PA-DSS (Payment Application Data Security Standard)Provide the definitive data standard for software vendors that develop payment applications. The standardaims to prevent developed payment applications for third parties from storing prohibited secure dataincluding track 2 data, CVV2, PAN number, Expiry date, and PIN. MPOS on consumer devices is exemptedpresently from this certification but MPOS application must develop according to the standards defined.– PCI PTS (Pin Transaction Security)Protect consumer PIN data from theft. It is also intended to enforce hardware security of devices that acceptconsumer PINs and house secret encryption keys of the acquirer, including how the PIN Entry Device (PED) isproduced, controlled, transported, stored and used throughout its life cycle. For country supporting chip andpin, the MPOS reader must be certified with PCI PTS since the readers comes with pin pad.
  24. 24. 23 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY PCI DSS CompliantComing Soon ..Certified Service ProviderLevel 2
  25. 25. 24 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances & Policies - IVMasterCard– MTIP (MasterCard Terminal Integration Process)Certification process to ensure the EMV Application developedable to support global mastercard transaction with MasterCardacquiring host.– TQM (Terminal Quality Management)MasterCard Terminal Quality Management (TQM) programme guarantees acquirers that theterminals they source are consistent with the card interface module sample approved byEMVCo. The TQM process focuses on the smart card and contactless interfaces of theterminal hardware and is complementary to EMV Level 1.– MPOS BEST PRACTICES PROGRAM (MOBILE POINT OF SALE)Solutions Self Certified Against MasterCard MPOS Best Practices* Mastercard has developed MPOS Solution Security Guidelines, as well as MPOS best practices for bothsolution and service provider and the merchants since end of 2011.
  26. 26. 25 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPAY MasterCard MPOS Program CertifiedMay 2013MasterCardWorldwideTHE MASTERCARD MPOSBEST PRACTICES PROGRAM(MOBILE POINT OF SALE)Solutions Self Certified AgainstMasterCard MPOS Best Practices
  27. 27. 26 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedMPOS Security Guidelines, Compliances & Policies - VVISA International– ADVT(Acquirer Device Validation Toolkit)Certification process to ensure the EMV Application developed able to supportglobal Visa card transaction with Visa International acquiring host.– MPOS Ready ProgramCertification program by a certified Visa Test Lab, ensuring the solution adhere toVisa security standards.
  28. 28. 27 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedSummary• MPOS solution will be the catalyst in promotinggrowth in the trading and retail businesses.• With the huge numbers of SMEs & MicroEnterprises in Indonesia, and huge numbers ofretail & trading transaction daily, the low costpayment devices MPOS will be choice of securepayment solution.
  29. 29. 28 Strictly Private & Confidential – Property of ManagePay Group All Rights ReservedThank youNg Kian SengManagePay Systems BerhadEmail : kianseng@mpsb.netMobile: +6012-5651880Office : +603-80231880Web : http://www.managepay.com
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