The document discusses tokenization and immersion in payments. It describes how tokenization works by storing payment details as nonces or tokens rather than raw card numbers, improving security. This allows seamless payments across different methods through a generic API. The document advocates for immersive user experiences in payments by taking inspiration from video games through seamlessness, choice of payment methods, and avoiding "checkout hell" to keep users engaged.

1. @jna_sh
InsertToken
Tokenisation & Immersion

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@jna_sh
@jna_sh

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<talk>
@jna_sh
Developer Advocate

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<talk>
@jna_sh
Braintree

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<content>
@jna_sh
Payments processor

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<content>
@jna_sh
Uber | AirBnb | Minecraft

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<talk>
@jna_sh
Thanks for having me!

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Tokenization

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Payments

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Payment Methods

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User Experience

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Payments Industry

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1 in 6 payments online is
facilitated by PayPal.

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Just two years after the acquisition,
Braintree has more than $50B in Authorized
Payment Volume in 2015 -- more than
quadrupling our payment volume in two
years. In Q1 2014, just a few months after
the acquisition closed, Braintree had 56.5M
cards on file. In Q2 2015, Braintree has
nearly tripled the number of cards on file
to 154M.

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27% of online transactons are
through mobile.

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<talk>
@jna_sh
Payment Methods

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Fragmentation

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We don’t all pay the
same.

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France: 57% Visa/MC/Amex

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Germany: 9% Visa/MC/Amex

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Digital Wallets

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User Choice

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Hard for Merchants

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Pain for Developers

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An issue of
USER EXPERIENCE

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Time spent in mobile apps
grows 21% year on year.

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Most apps opened…

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ONCE.

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“Ever on the lookout for
engaging content, most
online viewers spend
less than 60 seconds at
an average site”

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Av. time in app:
103 seconds

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In contrast…

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Video Games

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<content>
@jna_sh
What makes video games
effective?

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Immersion

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Seamless

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Developers need
immersion

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Magical Feeling

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70%

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Immersion is Fragile

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We’ve killed the magic.

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Variety of payment
methods.

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User Experience

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Security

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Tokenization!

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PCIDSS Recommended
security method

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Card Number
Verification
Expiration
Name
Postcode
1a472HDsabe
jmasiw83714
80isajlkars
i742198ue

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76. </speaker>
<talk>
@jna_sh
User Experience

77. </content>
<content>
@jna_sh
Checkout hell

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Vault
Store a payment method

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Payment Methods

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Payment Method Nonce

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Payment Method Nonce

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Payment Method Nonce

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Payment Method Nonce

90. </content>
<content>
@jna_sh
Genericity

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94. </speaker>
<talk>
@jna_sh
The most awesome bit?

95. </speaker>
<talk>
@jna_sh
Tokens are generic.

96. </speaker>
<talk>
@jna_sh
New payment methods?

97. </speaker>
<talk>
@jna_sh
No new code.

98. @jna_sh
gateway.transaction.sale({
amount: '20',
paymentMethodNonce:
parameters.payment_method_nonce
});

99. @jna_sh

100. </content>
<content>
@jna_sh
Thank you!

101. </speaker>
@jna_sh
@jna_sh

102. @jna_sh
Thanks_
Joe Nash
@jna_sh
joe.nash@getbraintree.com
lanyrd.com/profile/jna_sh/
linkedin.com/in/joednash
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