In his presentation Roland Greber will look at NFC from a user and card holder point of view and share the experiences PostFinance made with mobile payment. Roland Greber is working as product manager in the field of m-payment at PostFinance. He has an in-depth know-how about “plastic money”, e-payment, mobile-payment and NFC.

1. Technical specifications
Size of title picture
W 25.4 cm x H 9.5 cm
equals
W 1500 pixels x H 562 pixels
Resolution 150 dpi
Mobile Payment – View of PostFinance
7th June 2010
Roland Greber
Mobile Monday

2. PostFinance is growing
Date 7th June 2010 Version: V01.02 Classification: public
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(CHF Mio.)

3. Activites of PostFinance in Mobile Payment
2005 Mobile Payment and Mobile Couponing
Paying at the point of sale by mobile phone
and postal account. Trial in Berne, 500 customers.
2007 PostFinance Mobile Payment
New debitor service to pay by mobile phone number
through authorization via postal account.
2009 New Features for PostFinance Mobile
Money Transfer, Top up talktime credit,
account balance and transactions by text message
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4. 2008 Project HERMES
NFC technology based contactless payment
 Nokia 6131 NFC and/or
contactless credit card
 Staff restaurants from Credit
Suisse, Swisscard und SIX
 172 employees
 Payment brand: Visa Paywave
 Low value payments
(up to CHF 40.-, without
personal code)
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5. Heterogeneous group of standardisation bodies
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EMVCo
GSMA
NFC Forum
Global
Platform
ETSI
Payment
Systems
Mobey Forum
EPC

6. Challenges
– Lack of business model
– Customer identification (PIN, Personal Code)
– Number of applications on the mobile phone
– Storage of identification- and payment card-elements
– Payment process at point of sale (Identification, Amounts)
– Security
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7. Theses / Assumptions on Mobile Payment
 Mobile phone as personal financial assistant
 Additional to payment cards, not replacing them
 Global standards
 No surcharge
 Confidence thanks to financial brand
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8. Anytime and anywhere –
with PostFinance Mobile.
Roland Greber
roland.greber@postfinance.ch
Tel. +41 79 459 74 58