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Secure Mobile Money 
QR code Payment 
www.jrsys.com.tw
Mobile Payments 
QR code payments 
2 
http://www.pressherald.com/2014/09/14/apple-pay-getting-a-run-for-its-money/ 
http:/...
Compare to others 
• Secure PKI QR code contains 
– 
Not only an URL NNNooottt ooonnnlllyyy aaannn UUURRRLLL oooorrrr aaaa...
QR code Offline Payment 
Before Mobile 
4 
Out-of-band 
authentication 
HHHHaaaannnnddddwwwwrrrriiiittttiiiinnnngggg 
ssss...
Offline Payment Process 
Consumer Merchant 
1.Select Virtual credit card 
2.Enter the amount 
3.Input PIN to make a digita...
QR code Online Payment 
Online Shopping 
Card Not Present Transaction 
Before Mobile 
Secure ! 
6 
User scan the QR code a...
Online Payment Process 
7 
Consumer 
3.User scan the checkout QR code 
4.Select virtual credit card 
5.Input PIN code to c...
The Differences 
Traditional Payment & 
QR code Payment 
Weak Strong 
8 
AAAAuuuutttthhhhoooorrrriiiizzzzaaaattttiiiioooon...
Secure Tokenization Payment 
9 
No credit card 
number store in 
the eWallet 
3rd party cannot 
get consumer’s 
Credit Car...
10 
e-Wallet 
 NFC MicroSD 
 Bank A 
 Bank B 
 Credit Card 
 Bank C 
 Bank D 
 Debit Cards 
 Bank A 
 Bank E 
 Loyalty car...
Payment Process
System Architecture 
Jrsys Payment Authentication Servers 
Jrsys provides: 
Mobile iOS/Android Client SDK 
Backend Authent...
About jrsys 
Innovative 
Mobile and Cloud 
Security-Enable 
Company 
13
Within 4 years 
Gained 2 U.S. Patents 
5 Taiwan Patents 
14
Worldwide Awards 
One of the 7 innovative ideas to provide 
greater access to financial services from 98 
best ideas of 26...
Foxit Security Partner 
27,500 Millions 
PDF users 
use jrsys Security Suite 
16
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Secure QR code payment

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Secure QR code payment is one of the Mobile payment solution of Mobile Money.
jrsys Patented Secure QR code contains not only the URL but also a digital signed data.

www.jrsys.com.tw

Published in: Mobile

Secure QR code payment

  1. 1. Secure Mobile Money QR code Payment www.jrsys.com.tw
  2. 2. Mobile Payments QR code payments 2 http://www.pressherald.com/2014/09/14/apple-pay-getting-a-run-for-its-money/ http://www.accucode.com/apple-pay-best-solution-retailers/#.VEdID1ckS7E
  3. 3. Compare to others • Secure PKI QR code contains – Not only an URL NNNooottt ooonnnlllyyy aaannn UUURRRLLL oooorrrr aaaannnn IIIIDDDD////OOOOTTTTPPPP sssshhhhoooorrrrtttt ccccooooddddeeee – Date:2014/10/02 Time:11:50 Amount: US$25 OTP Consumer’s Digital Signature Patented O2O Payment technology – BBBBuuuutttt aaaallllssssoooo tttthhhheeee 3 ttttrrrraaaannnnssssaaaaccccttttiiiioooonnnn ddddaaaattttaaaa wwwwiiiitttthhhh ddddiiiiggggiiiittttaaaallll ssssiiiiggggnnnnaaaattttuuuurrrreeee NNAAAANNuuuuoooottttnnnnhhhh----eeeerrrreeeennnnppppttttiiiiuuuuccccddaaddaaiittiittaaaaiiiioooottttiinniinnoooo,,,,nnnn IIII nnnnsssstttteeeeeeeeccccgggguuuurrrriiiirrrrtttteeeeyyyy ,,,,tttt rrrrCCCCaaaaoooonnnnnnnnssssffffaaaaiiiiddddcccceeeettttiiiinnnnoooottttnnnniiiiaaaalllliiiittttyyyy aaaannnndddd
  4. 4. QR code Offline Payment Before Mobile 4 Out-of-band authentication HHHHaaaannnnddddwwwwrrrriiiittttiiiinnnngggg ssssiiiiggggnnnnaaaattttuuuurrrreeee Most of the QR payment is not digital signed and user must be online Card can be Cloned Merchant cannot clone any card ! Sign a Credit card e-Check Merchant scan it
  5. 5. Offline Payment Process Consumer Merchant 1.Select Virtual credit card 2.Enter the amount 3.Input PIN to make a digital signature 4.Generate a QR code 5 5.Scan the QR code 6.Make a Digital Signature 7.Connect to Payment Gateway Date:2014/10/02 Time:11:50 Amount: US$25 OTP Consumer’s Digital Signature Merchant cannot clone any card !
  6. 6. QR code Online Payment Online Shopping Card Not Present Transaction Before Mobile Secure ! 6 User scan the QR code and make a digital signature to confirm the payment Input Credit Card data Card Number + Expiration Date + CVV Dual Channels Two Factors digital signed transaction Risky !
  7. 7. Online Payment Process 7 Consumer 3.User scan the checkout QR code 4.Select virtual credit card 5.Input PIN code to confirm the payment Merchant 1.Merchant prepare the checkout data 2.Merchant make a Digital Signed Checkout QR code on the screen Date:2014/10/02 Time:11:50 Amount: US$1,193 OTP Merchant’s Digital Signature
  8. 8. The Differences Traditional Payment & QR code Payment Weak Strong 8 AAAAuuuutttthhhhoooorrrriiiizzzzaaaattttiiiioooonnnn jrsys QR code Payment DDDDaaaattttaaaa URL or a short ID/OTP code Digital Signed Transaction data and OTP AAAAuuuutttthhhheeeennnnttttiiiiccccaaaattttiiiioooonnnn Weak Strong EEEEnnnnccccrrrryyyyppppttttiiiioooonnnn Weak Strong NNNNoooonnnn-rrrreeeeppppuuuuddddiiiiaaaattttiiiioooonnnn No Yes Merchant can get Credit Card data CCCCrrrreeeeddddiiiitttt CCCCaaaarrrrdddd DDDDaaaattttaaaa Encrypted & Merchant cannot get it
  9. 9. Secure Tokenization Payment 9 No credit card number store in the eWallet 3rd party cannot get consumer’s Credit Card Data All transaction is confirmed by digital signatures
  10. 10. 10 e-Wallet NFC MicroSD Bank A Bank B Credit Card Bank C Bank D Debit Cards Bank A Bank E Loyalty card McDonald Card Burger King Card Transportation Card Subway Card Railway Card QR Shopping LBS Promotion
  11. 11. Payment Process
  12. 12. System Architecture Jrsys Payment Authentication Servers Jrsys provides: Mobile iOS/Android Client SDK Backend Authentication Servers
  13. 13. About jrsys Innovative Mobile and Cloud Security-Enable Company 13
  14. 14. Within 4 years Gained 2 U.S. Patents 5 Taiwan Patents 14
  15. 15. Worldwide Awards One of the 7 innovative ideas to provide greater access to financial services from 98 best ideas of 26 countries BY: MIF, IDB, CAF and GSMA 2012 ASIA PKI Innovation Award 2012 Mobile Money Innovation AAAAPPPPIIIICCCCTTTTAAAA AAAAwwwwaaaarrrrdddd 2222000011113333 Award SSSSeeeeccccuuuurrrriiiittttyyyy CCCCaaaatttteeeeggggoooorrrriiiieeeessss 15
  16. 16. Foxit Security Partner 27,500 Millions PDF users use jrsys Security Suite 16

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