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Cartes 2010 : m-payment, when stripes are visual
The document discusses the role of barcodes in facilitating mobile payments (m-payments), highlighting their history, technical capabilities, and various applications in payment systems. It covers different approaches to using barcodes for identifying payers and payees, and includes examples like Google Checkout and Starbucks. A discussion on the current state and future of m-payments is also presented, emphasizing the simplicity and accessibility of 'scan to pay' methods.
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Cartes 2010 : m-payment, when stripes are visual
- 1. m-Payment, when stripesare 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 wortha 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 stripesare 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.