Securing POS transaction using mobile phone

1. DISCOVER CIDWAY Securing POS Transactions 2009

2. Secure PoS transaction using Cidway Online @ PoS Send Instructions Send Confirmation Cidway Systems Open MobileCard Input PIN Code is Displayed on the Phone Input on the PoSteminal (after swiping the Card): Code (displayed on the phone) Payment Processor / Issuer / Acquirer Offline @ PoS POS includes Cidway Systems SPA Authenticate Transaction Open MobileCard Input PIN Code is Displayed on the Phone Input on the PoSteminal (after swiping the Card): Code (displayed on the phone)

4. Easy & simple to Use

7. Lower transactions’ cost & dispute support

8. Improve customer acquisition & retention

10. Handset independent

13. Head Quarters in Lausanne, CH

14. Sales Offices in Switzerland & UK

16. Support center 24/7

17. Support portal available for partners

19. Making Authentication & Transactions simple, easy, accessible, secure and user friendly

20. Addressing virtually unlimited vertical applications from one platform

22. PRODUCT PRESENTATION

23. CIDWAY GAIA / SESAMI Product Line One server for multiple tokens SESAMI SlimTime based OTP Hardware token SESAMI MobileTime based OTP Software token for mobile phones. SIM enabled GAIA ServerAuthentication platform GAIA SDKAuthentication platform SDK SESAMI Mobile SDKTime based OTP Token SDK for mobile phones SESAMI SMSSMS based OTP for mobile phones SDK: Software Development Kit

25. OTP time management to the second

26. Protection against theft or loss of mobile phone: PIN not stored on Mobile, neither transmitted, neither stored on the server (patented solution)

28. Automatic time synchronization (support of any clock change on the mobile)

30. 2-way authentication (server is authenticated by the User)

31. Transaction’s signature (guarantee the integrity of transactions, against MitM)

32. Automated registration

33. Time Traceability

34. Mobile SDK for integration into any existing mobile application (*) S1-2009

35. CIDWAY Download (Sesami Mobile only) Download Over the Air (Push, Pull) eMail PC Download Pre-loaded Bluetooth Etc. Registration Options: Automatic WAP registration Manual user registration Download Site (sample)

36. BUSINESS CASES

38. Lower the cost of acquisition & maintenance

39. Lower the cost of deployment & replacement

40. Lower transactions’ cost & dispute support

41. Improve customer acquisition & retention

43. A device that the User already has (mobile phone)

44. Simple & easy to use

46. Mobile SDK for integration in any existing mobile application

47. Scalable & fail-safe solution

49. Registration and Activation - Ability to ensure convenient & secure registration procedure for CIDWAY mobile tokens

50. Time Management- Ability to time-stamp the OTP and Transaction Signature to the second and to allow an off-line (after-the-fact) verification of the OTP or the Signature.

52. 2-Way Authentication – ensuring the User he’s connected to the right server

53. Transaction Signature – preventing MitM attacks, with uniquely customizable fields

55. CIDWAY Some of our Clients, Partners & on-going initiatives

56. THANK YOU FOR YOUR ATTENTION For more information, contact: Laurent FILLIAT VP Strategic Business Mob. +41 78 842 11 47 Tel. +41 21 331 27 00 Fax +41 21 331 27 09 Email: laurent.filliat@cidway.com