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Netcetera Innovation Summit
The Past 12 Months – What’s New & Exciting
23. September 2016
Dr. Thomas Fromherz
Vision
“Against the backdrop of the digitization of the
payment processes, Netcetera aims to
continuously expand and enhance its innovative
payment solutions to become one of the important
solution providers in the DACH region.”
Payment & Card Services
3-D Secure
Netcetera 3-D Secure Hosted Services
Since 2003
Benutzerfreundliche 2-Faktor-Authentisierung
Ausblick
Modell-basiertes Risk System
3DS 2.0
MPI
Netcetera 3DS MPI
Ausblick
3DS 2.0
SwissWallet
&
Tellwa
• Digital payment wallet for Switzerland
• Available to 3 million card holders of swisscard
and Aduno/Viseca (50% market share in CH)
• E-Commerce checkout with MasterPass
• Mobile contactless payment with MDES
• Integration with issuer mobile apps via SDK
• Issuer provisioned cards and seamless 3DS
• Integration with issuer's identity management
• www.swisswallet.ch
• A joint venture of
and the card issuers
by
Timeline
2013 Project started, whitepapers, broad scope, feasibility
studies
2014 Proof-of-concepts, governance, architecture, considering
MNOs, secure elements; focus on e-commerce and mobile
payment (NFC)
Early 2015 SwissWallet agreed with issuers Aduno/Viseca and
swisscard
May 2015 Starting development MasterPass e-commerce checkout
Nov 2015 General availability of MasterPass
2016 Achieved over 200'000 wallets
Starting development mobile contactless payment (HCE)
Later 2016 General availability of mobile contactless payment
Pairing, express checkout
On-boarding further banks/issuers
Planned Person-to-person payments, extensions to online payment
Evaluating Wearables, loyalty integration, digital loyalty cards
1
2
3
Tellwa – New Digital Payments for Your Customers
Tellwa
Digital
Wallet
E-Commerce
Checkout
A better way to check out online
• No address entry
• No card details entry
• Use any card, tokenized, safer, trusted
Mobile
Contactless
Payment
A better way to pay in-store
• At all stores worldwide with
• Your wallet without the plastic
• All cards at hand, tokenized, safer, trusted
Deliver card data,
card art, preferences
1PAN
Validate card holder
login token
3
MyBank
Accounts 6,750.00
Recent Transactions
Ready to Pay
MCP: Setup, Tokenization, Replenishment & Payment
Mobile
Payment
SDK
Card Issuer
MyBank
MDES
MasterCard
VTS
Visa
Acquirer,
PSP
Tellwa Mobile
Contactless
Payment Service
Card Vault
Download &
Install app
1
Notify of new token
6
Device pairing, ex-
change crypto keys
4
Pick up new token
7
Request Trx Cred
1
Request
Trx Cred 2
Request
digitization
4
Card holder login, authentication, receive login token
2
Replenish Trx Cred
4
EMV payment
cryptogram
1
Request
digitization
3
Authorize,
de-tokenize
cryptogram
3
Enable NFC,
select app in tap &
pay settings,
select card in app
8
Receive
token5Receive
Trx Cred 3
Authentication
as needed
(PIN / fingerprint)
2
Normal settlement process6
5 Acceptance
Setup Mobile Payment
OAuth
Card Holder Auth.
Card Data
TAV calculation
Payment
Authori-
zation
4
PAN
Select card for digitization
2
Check
device
Ausblick
DSRP
Green Path Provisionierung
Netcetera GmbH

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Netcetera Innovation Summit 2016: The Past 12 Months - What's New & Exciting

  • 1. Netcetera Innovation Summit The Past 12 Months – What’s New & Exciting 23. September 2016 Dr. Thomas Fromherz
  • 2. Vision “Against the backdrop of the digitization of the payment processes, Netcetera aims to continuously expand and enhance its innovative payment solutions to become one of the important solution providers in the DACH region.”
  • 3. Payment & Card Services
  • 5. Netcetera 3-D Secure Hosted Services Since 2003
  • 8. MPI
  • 12. • Digital payment wallet for Switzerland • Available to 3 million card holders of swisscard and Aduno/Viseca (50% market share in CH) • E-Commerce checkout with MasterPass • Mobile contactless payment with MDES • Integration with issuer mobile apps via SDK • Issuer provisioned cards and seamless 3DS • Integration with issuer's identity management • www.swisswallet.ch • A joint venture of and the card issuers by Timeline 2013 Project started, whitepapers, broad scope, feasibility studies 2014 Proof-of-concepts, governance, architecture, considering MNOs, secure elements; focus on e-commerce and mobile payment (NFC) Early 2015 SwissWallet agreed with issuers Aduno/Viseca and swisscard May 2015 Starting development MasterPass e-commerce checkout Nov 2015 General availability of MasterPass 2016 Achieved over 200'000 wallets Starting development mobile contactless payment (HCE) Later 2016 General availability of mobile contactless payment Pairing, express checkout On-boarding further banks/issuers Planned Person-to-person payments, extensions to online payment Evaluating Wearables, loyalty integration, digital loyalty cards
  • 13.
  • 14. 1 2 3 Tellwa – New Digital Payments for Your Customers Tellwa Digital Wallet E-Commerce Checkout A better way to check out online • No address entry • No card details entry • Use any card, tokenized, safer, trusted Mobile Contactless Payment A better way to pay in-store • At all stores worldwide with • Your wallet without the plastic • All cards at hand, tokenized, safer, trusted
  • 15. Deliver card data, card art, preferences 1PAN Validate card holder login token 3 MyBank Accounts 6,750.00 Recent Transactions Ready to Pay MCP: Setup, Tokenization, Replenishment & Payment Mobile Payment SDK Card Issuer MyBank MDES MasterCard VTS Visa Acquirer, PSP Tellwa Mobile Contactless Payment Service Card Vault Download & Install app 1 Notify of new token 6 Device pairing, ex- change crypto keys 4 Pick up new token 7 Request Trx Cred 1 Request Trx Cred 2 Request digitization 4 Card holder login, authentication, receive login token 2 Replenish Trx Cred 4 EMV payment cryptogram 1 Request digitization 3 Authorize, de-tokenize cryptogram 3 Enable NFC, select app in tap & pay settings, select card in app 8 Receive token5Receive Trx Cred 3 Authentication as needed (PIN / fingerprint) 2 Normal settlement process6 5 Acceptance Setup Mobile Payment OAuth Card Holder Auth. Card Data TAV calculation Payment Authori- zation 4 PAN Select card for digitization 2 Check device
  • 17.