Touchatag NFC-RFID & mobile payment - Mobilkom A1 Innovation Days v26092009.ppt

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Touchatag’s NFC – RFID service enables the long tail of contactless applications: For consumers: Low cost RFID starter package with 1 RFID reader (HF RFID, at 13.56MHz) and 10 tags Website with templates to easily link RFID tags (and 2D barcode) tags to various applications Application templates include web based applications, local applications (e.g. Skype, iTunes) and telecommunication applications (e.g. SMS, call) Tags configured via the web interface can also be read out via NFC phones For application developers: Provide the touchatag Software as a Service (SaaS) functionalities via a REST API to easily get started with RFID/NFC without needing the details on the technology Checkout the touchatag developer network on http://www.touchatag.com/developer For operators and enterprises: Contactless wallet 2.0, enabling them to provide contactless (RFID and NFC) based (mobile) payments Various applications (payment, loyalty, coupon services, interactive advertising) Stored Value Account Mobile wallet application

Focus of touchatag is on HF RFID, and NFC (Near Field Communication). Applications that can be enabled are human centric and distance to trigger applications is about 4 cm

Touchatag starter package, available worldwide via http://www.touchatag.com/e-store includes 1 USB RFID reader (ACS ACR122) and 10 UHF Mifare Ultralight RFID tags

Consumer applications are very broad: e.g. linking real world items to the online world

Via 2D barcodes and a scanning camera included in a phone, a barcode can be scanned and can initiate an application

NFC phone calls person on tagged picture

http://www.touchatag.com Includes: Templates (called applications) Ideas area Dashboard to select a template, customize it and link it to an RFID tag or 2D barcode

http://www.touchatag.com/developer

The goal of the touchatag developer network is to make RFID application development as easy as creating a Facebook application This means that web developers are offered REST APIs to create applications without needing to invest in the basics of RFID, and that they can easily build further on applications developed by 3 rd parties

Touchatag architecture with a layered approach: RFID/NFC Reader and tag catalogue Application correlation service for the tag, app and reader management, with APIs for developers and web GUI for DIY users End to end solution for operators, enterprises using a stored value account, a mobile wallet and various payment and loyalty applications

Visage is a French project focused at providing a communication and information system for elderly and Alzheimer patients, using the touchatag service for easy access to the system.

Mobile workforce applications can be enabled via using NFC phones and the touchatag service. A nurse or doctor with an NFC phone can visit a patient, touch the RFID tag on the patient file and receive more up to date information while also submitting in real time the information to the dispatching about time of visit and location.

Touchatag in the summer of 2009 ran the Vienna Jungle Scrum contest, whereby people were invited to invent the best urban game using the touchatag service. Application developers could also upload their projects for the open NFC category

An urban game allows a team to use an NFC phone to touch tags (find them first). Questions needs to be answered and in this example it was the goal to capture enough tags to be able to capture the tag from the competitive team.

An entry in the urban game competition, from Teodosy Teodosiev (Bulgaria)

An entry in the urban game competition, from Juan Saez Pons (Spain)

An entry in the urban game competition, from Veronique Seel (France)

An entry in the open competition, from Elliot Klein (US)

http://business.touchatag.com

Laura, 23, lives in a city, listens to last.fm, and manages her social life via Netlog and her mobile phone… Laura enjoys convenient, personalized service and loyalty benefits at her favorite retailers—thanks to the contactless ID on her mobile or her card issued by her service provider

An NFC phone or a contactless sticker applied to a phone or a contactless card can be used for many applications, from payment to transport pass to accessing the enterprise building. On an NFC phone, a wallet interface allows to check balance and to select what application you want to have activated as tag on your phone

A typical wallet includes credit cards, debit cards, transit cards etc. These all can be integrated into a mobile wallet as well. In this case also a stored value account is added, which is a secure prepaid account that stores the amount of money, loyalty points, vouchers available to the account holder e-Money, prepaid mobile accounts, gift cards, transportation tickets, meal vouchers SVA owner is identified by MSISDN & unique Pin Code Does not require individual deposit in “real bank” “ One” deposit account in Bank Individual balance hold in SVA Bank has no knowledge of individual accounts balance or user activity

Wallet 2.0 is about an electronic wallet, replacing your traditional wallet but is also a lot more as it enables you to link the traditional functionalities of a mobile (communication, Internet, location based services) with wallet functionalities like payment, loyalty, coupon services etc. So you can imagine to be able to transfer loyalty points easily from one account to another. And off course you can also consult your wallet balance in real time.

To use an NFC phone as contactless wallet 2.0, a wallet application on the phone is needed, which needs to be downloaded. The SIM card inside the phone is upgraded along the “single wire protocol” specification, allowing the SIM to be used as secure element for e.g. payment. The SIM card gets divided in different zones, for different application providers (e.g. transport operator, loyalty program operator..). The management is the SIM card is done by the Secure Element Manager. (SEM). The management of an individual zone for an application provider is done by the Trusted Service Manager (TSM)

On the left bottom side, we see the traditional contactless world with about 2 Billion RFID cards in the market for access, transport and ticketing (e.g. Ski area, London Oyster card, Paris Navigo card), contactless payment cards (Mastercard Paypass, Visa Paywave). Some operators recently launched a branded Visa card, like Mobilkom A1 in Austria and O2 in the UK. This is typically done for churn reduction as you are more closely tied in with a bank than with an operator typically. We see an evolution towards an operator owned wallet and stored value account (like Belgacom PingPing) with contactless stickers on one side. Operators enabling 3 rd parties like Mastercard or Visa to use the NFC phone for a mobile payment. Typically an operator will not be part of the transaction scheme. In the case of NTT Docomo in Japan (right above), the operator manages the wallet and SVA on a phone (Felica phone, not NFC compliant) and is part of the payment loop.

The touchatag contactless wallet 2.0 solution includes: - Identity and Context Management leveraging NFC - Mobile client wallet and SVA Server - Open APIs for 3rd party apps

Sales and brand activation + CRM improvement 1 contactless card or 1 NFC phone for targeted Information in the PoS Marketing actions Coupon schemes Fidelity programs Fast and convenient payment + Real time reporting and analytics + Integrated campaigns with mobile and online

Drivers Cost-savings at Accor-Service and Accor-Service customers BUT Substitution not sufficient, re-thinking what an Accor eTag could mean for beneficiaries Should fidelize employee Should be revenu creator by other value added services besides payment Touchatag provides catalogue of own or 3rd party added value services for employee or affiliate Segmentated eCouponing Interactive Bill-boards and Displays Fidelity Other commercial products: press-vouchers Interactive Bill-boards and Displays : ClearChannel ‘ swipe through’ Fidelity Program : Proximity BBDO Stimulation of tag usage Communication tools for user community Distribution of press-vouchers New outlets (vending machines) nearby large employer New commercial packages and stimulation of kiosk sales Objective of pre-roll-out phaze Validate acceptance and business model by beneficiaires, commercial patners

Contactless payment, touching a Clearchannel billboard with an integrated RFID reader with a contactless Accor Services Card. Created in cooperation with Clearchannel and Proximity BBDO.

Interactive billboard, touching a Clearchannel billboard with an integrated RFID reader with a contactless Accor Services Card. Created in cooperation with Clearchannel and Proximity BBDO.

Checking balance on a kiosk using contactless card and buying a newspaper via a simple touch

Touchatag provides a reader and terminal catalogue included in the end to end solutions.

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Touchatag NFC-RFID & mobile payment - Mobilkom A1 Innovation Days v26092009.ppt - Presentation Transcript

Touchatag, an Alcatel-Lucent Venture RFID/NFC service Toon Coppens, Michael Elias September 2009
- R&D Budget: €2.5 billion
- Active Patents Held: More than 26,000
- Nobel Prizes Won: 6
- Worldwide Presence: More than 130 countries
- Annual Revenues: €16.98 billion (2008)
- Employees: More than 77,000
- Touchatag, an Alcatel-Lucent Venture
- Launch: October 2008
- Partners: Belgacom , ProximityBBDO
- Membership: NFC forum (INTL), SMSC (France)
- Location: Antwerp (Belgium), Murray Hill (US)
Contactless payment Loyalty services RFID enabled communication Time registration Rental services Collection management Smart objects
- before
- RFID applications & services
- BUT
- Expensive
- Closed
- Vertical
- Specialized
- Complex
For enterprises & operators: Contactless wallet 2.0 For web developers: Democratizing the RFID marketplace (API) For consumers: DIY Internet of Things
RFID & NFC September 2009
DIY Internet of Things September 2009
Touchatag developer network Democratizing the RFID marketplace September 2009
RFID/NFC Apps Time registration Mobile workforce Inventory tracking Collection management Rental solution Intelligent student card Loyalty application Elderly UI … SaaS – online Service Demystification of RFID REST API Low cost HW
APIs Tags Readers Touchatag™ Application Correlation Service Provisioning - Tag, App & reader management - Tag event routing - Action execution - Application creation – Policing - Reporting - Application integration - UI & UI integration - Certification - Security Voice & presence SMS Time-registration Social media Other contactless apps Wallet 2.0 & Profile payment loyalty coupon Interactive advertising
- SVA
credit debet Touchatag Developer Network Touchatag DIY website, templates and GUI Mobile workforce Event experiences Smart objects Web Direct marketing
- API
VisAge Communication and information system for elderly and Alzheimer patients. Easy access to the system
Contactless Wallet 2.0 September 2009
Credit Cards Debit Cards Loyalty Program Cards Coupons Scratch Cards Mobile Banking Stored Value Accounts Transit Cards
Tag (identity) & wallet Personal context + + Social relevance =
OTA download and mgmt of applications Secure Element Manager Trusted Service manager
Contactless NFC No operator Wallet Operator Wallet
- Facilitates relationships between merchants and individuals
Wallet Merchant (reader context) Consumer identities Merchant identities couponing fidelity coupon, vouicher & ticket direct debit Stored Value other services transaction Touchatag Correlation Service Loyalty
Bridge between CRM, advertising, direct marketing and sales
- Paper vouchers
E-card
APIs Tags Readers Touchatag™ Application Correlation Service Provisioning - Tag, App & reader management - Tag event routing - Action execution - Application creation – Policing - Reporting - Application integration - UI & UI integration - Certification - Security Voice & presence SMS Time-registration Social media Other contactless apps Wallet 2.0 & Profile payment loyalty coupon Interactive advertising
- SVA
credit debet Touchatag Developer Network Touchatag DIY website, templates and GUI Mobile workforce Event experiences Smart objects Web Direct marketing
- API
- Nokia 6212 NFC Phone
- HID ESRP40 POE Reader
- Macally RFID Mouse
- Verifone QX120 POS Terminal
ACS USB and Serial Readers (serial used for GPRS)
- Clearchannel interactive billboard
- Allo Machines vending machines
Alcatel-Lucent & Contactless wallet 2.0
- Expertise on payment, identity management and mobile application management
- Leading innovation on new media, advertising and location based services
- Leading professional services organization
- Advertising Selection Server: Campaign- and profile-driven multi-screen Ad Selection —maximizes ad inventory value
- Geographic Messaging Service Platform