Cartes 2010 : m-payment, when stripes are visual
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Talk on how graphical codes such as QR Codes can change the shape of mobile payment in a smart and simple way.
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Cartes 2010 : m-payment, when stripes are visual
- 1. m-Payment, when stripes are visual Barcodes as a mobile payment enabler karim.houni@gmail.com Cartes & Identification 2010, Paris, 07/12/2010 Atos, Atos and fish symbol, Atos Origin and fish symbol, Atos Consulting, and the fish itself are registered trademarks of Atos Origin SA. August 2006 © 2006 Atos Origin. Confidential information owned by Atos Origin, to be used by the recipient only. This document or any part of it, may not be reproduced, copied, circulated and/or distributed nor quoted without prior written approval from Atos Origin.
- 2. Agenda » Introduction › m-World › A symbol worth a thousand words » Overview › Barcodes & m-Payment › Barcodes : Payment, etc. » A closer look › Main approaches for barcodes & m-Payment » Discussion › Are we in ? 2 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 3. Agenda » Introduction › m-World › A symbol worth a thousand words » Overview › Barcodes & m-Payment › Barcodes : Payment, etc. » A closer look › Main approaches for barcodes & m-Payment » Discussion › Are we in ? 3 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 4. m-World Mobiles & humans Mobile usages Bank accounts Weather news 37% Europe Mobiled Emails USA Not yet 63% SMS Japan Browser 0,0% 10,0% 20,0% 30,0% 40,0% 50,0% 60,0% 70,0% 80,0% 90,0% Juniper Research Portio Research 2014 2014 ½ of subsc. are 490m "mPayers" (8% "mPayers" (~2.5b) of subsc., in-app, ticketing, $630b in volume (5% coupons) of eCom retail sales) $633b in volume Mobile usages : m-Payments forecasts 4 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 5. m-World …Mobile Data Data Mobile Phone is actually ... Phone enablers ? 5 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 6. m-World Mic 3G Display NFC Camera Mobiles can read IrDa Keypad Bluetooth Wifi Inputs/Outputs The smoother, enablers ? The better. 6 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 7. A symbol worth a thousand words » Born in 1949, barcodes and their younger peers 2D codes are a visual representation of data designed to allow automatic fast and accurate transfer of information. Aztec Code 128 QR Code Dolby Digital & Sony Dynamic Digital Sound EAN 13 Datamatrix PDF417 and so many other symbologies … 7 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 8. Agenda » Introduction › m-World › A symbol worth a thousand words » Overview › Barcodes & m-Payment › Barcodes : Payment, etc. » A closer look › Main approaches for barcodes & m-Payment » Discussion › Are we in ? 8 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 9. Google Checkout Starbucks FaceCash Barcodes & m-Payment PortaPayment Cimbal 9 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 10. Barcodes & mPayment » Google Checkout Android Payment › Turns a webstore into a physical POS where the customer pays with his Checkout account and his Android phone. › After completing the cart, a QR code is generated. It encodes the URL of the Checkout payment page, the customer only has to enter his PIN on his phone. 10 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 11. Barcodes & mPayment » FaceCash › A web-based POS system + a mobile app + a direct connection to a bank account (direct debits) › On his POS, the merchant reads a barcode displayed by the app which identifies the customer. The FaceCash webservice trigger the direct debit. For security matters, customer’s picture is displayed along with the barcode. 11 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 12. Barcodes & mPayment » Cimbal › A web-based POS system + a mobile app + a direct connection to a bank account (direct debits) › A client points his phone to a barcoded payment request (on a POS, webpage, phone), his app’ asks for confirmation (PIN). The payment is done. P2P payments are possible. 12 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 13. Barcodes & mPayment » PortaPayments › An app’ + a web service which encodes a PayPal payment request into a 2D Code › Merchants/users can display or print the payment request codes anywhere. Clients only have to scan & pay. 13 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 14. Barcodes & mPayment » StarBucks › Dematerialized gift card on mobile, the card number is encoded in a 2D code. › The client pay at the coffee shop identified by his barcode, reload his card, check his balance, get rewards, … 14 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 15. Barcodes : Payment, etc. also in use for… boarding passes & tickets … bills loyalty & coupons 15 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 16. Agenda » Introduction › m-World › A symbol worth a thousand words » Overview › Barcodes & m-Payment › Barcodes : Payment, etc. » A closer look › Main approaches for barcodes & m-Payment » Discussion › Are we in ? 16 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 17. A closer look : 2 main approaches the payer is identified by the payee Client Store e-Payment network online wallets 17 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 18. A closer look : 2 main approaches the payer identifies the payee Store Client e-Payment network online wallets 18 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 19. Agenda » Introduction › m-World › A symbol worth a thousand words » Overview › Barcodes & m-Payment › Barcodes : Payment, etc. » A closer look › Main approaches for barcodes & m-Payment » Discussion › Are we in ? 19 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 20. Discussion are we in ? or dreams in bloom ? Dawn of a BOOM, … 20 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 21. Discussion are we in ? Major players Scan to Pay in Scan to Pay is cheap Scan to Pay is pervasive Scan to Pay is simple 21 Cartes & ID 2010 – “m-Payment, when stripes are visual” – Karim HOUNI HIGH-TECH TRANSACTIONAL SERVICES
- 22. m-Payment, when stripes are visual Thanks for your attention ! Barcodes as a mobile payment enabler karim.houni@gmail.com Cartes & Identification 2010, Paris, 07/12/2010 Atos, Atos and fish symbol, Atos Origin and fish symbol, Atos Consulting, and the fish itself are registered trademarks of Atos Origin SA. August 2006 © 2006 Atos Origin. Confidential information owned by Atos Origin, to be used by the recipient only. This document or any part of it, may not be reproduced, copied, circulated and/or distributed nor quoted without prior written approval from Atos Origin.