The document discusses secure mobile payment systems using QR codes, emphasizing the importance of digital signatures in transactions for enhanced security. It outlines the differences between traditional and QR code payments, with a focus on the ability to perform transactions offline without cloning risks. Additionally, the document highlights the innovative solutions provided by JRSys, including their patented technology and recognition in the financial services sector.

1. Secure Mobile Money
QR code Payment
www.jrsys.com.tw

2. Mobile Payments
QR code payments
2
http://www.pressherald.com/2014/09/14/apple-pay-getting-a-run-for-its-money/
http://www.accucode.com/apple-pay-best-solution-retailers/#.VEdID1ckS7E

3. Compare to others
• Secure PKI QR code contains
–
Not only an URL NNNooottt ooonnnlllyyy aaannn UUURRRLLL oooorrrr aaaannnn IIIIDDDD////OOOOTTTTPPPP sssshhhhoooorrrrtttt ccccooooddddeeee –
Date:2014/10/02
Time:11:50
Amount: US$25
OTP
Consumer’s
Digital Signature
Patented O2O Payment
technology
– BBBBuuuutttt aaaallllssssoooo tttthhhheeee 3
ttttrrrraaaannnnssssaaaaccccttttiiiioooonnnn ddddaaaattttaaaa wwwwiiiitttthhhh ddddiiiiggggiiiittttaaaallll ssssiiiiggggnnnnaaaattttuuuurrrreeee
NNAAAANNuuuuoooottttnnnnhhhh----eeeerrrreeeennnnppppttttiiiiuuuuccccddaaddaaiittiittaaaaiiiioooottttiinniinnoooo,,,,nnnn IIII nnnnsssstttteeeeeeeeccccgggguuuurrrriiiirrrrtttteeeeyyyy ,,,,tttt rrrrCCCCaaaaoooonnnnnnnnssssffffaaaaiiiiddddcccceeeettttiiiinnnnoooottttnnnniiiiaaaalllliiiittttyyyy aaaannnndddd

4. QR code Offline Payment
Before Mobile
4
Out-of-band
authentication
HHHHaaaannnnddddwwwwrrrriiiittttiiiinnnngggg
ssssiiiiggggnnnnaaaattttuuuurrrreeee
Most of the QR payment is not digital
signed and user must be online
Card can
be Cloned
Merchant
cannot clone
any card !
Sign a Credit
card e-Check
Merchant scan it

5. Offline Payment Process
Consumer Merchant
1.Select Virtual credit card
2.Enter the amount
3.Input PIN to make a digital signature
4.Generate a QR code
5
5.Scan the QR code
6.Make a Digital Signature
7.Connect to Payment Gateway
Date:2014/10/02
Time:11:50
Amount: US$25
OTP
Consumer’s
Digital Signature
Merchant
cannot clone
any card !

6. QR code Online Payment
Online Shopping
Card Not Present Transaction
Before Mobile
Secure !
6
User scan the QR code and make a digital
signature to confirm the payment
Input Credit Card data
Card Number + Expiration Date + CVV
Dual Channels Two Factors
digital signed transaction Risky !

7. Online Payment Process
7
Consumer
3.User scan the checkout QR code
4.Select virtual credit card
5.Input PIN code to confirm the
payment
Merchant
1.Merchant prepare the
checkout data
2.Merchant make a Digital
Signed Checkout QR code on
the screen
Date:2014/10/02
Time:11:50
Amount: US$1,193
OTP
Merchant’s Digital
Signature

8. The Differences
Traditional Payment &
QR code Payment
Weak Strong
8
AAAAuuuutttthhhhoooorrrriiiizzzzaaaattttiiiioooonnnn
jrsys
QR code Payment
DDDDaaaattttaaaa
URL or a short ID/OTP
code
Digital Signed Transaction
data and OTP
AAAAuuuutttthhhheeeennnnttttiiiiccccaaaattttiiiioooonnnn
Weak Strong
EEEEnnnnccccrrrryyyyppppttttiiiioooonnnn
Weak Strong
NNNNoooonnnn-rrrreeeeppppuuuuddddiiiiaaaattttiiiioooonnnn
No Yes
Merchant can get Credit
Card data
CCCCrrrreeeeddddiiiitttt CCCCaaaarrrrdddd DDDDaaaattttaaaa
Encrypted & Merchant
cannot get it

9. Secure Tokenization Payment
9
No credit card
number store in
the eWallet
3rd party cannot
get consumer’s
Credit Card Data
All transaction is
confirmed by
digital signatures

10. 10
e-Wallet
NFC MicroSD
Bank A
Bank B
Credit Card
Bank C
Bank D
Debit Cards
Bank A
Bank E
Loyalty card
McDonald Card
Burger King Card
Transportation Card
Subway Card
Railway Card
QR Shopping
LBS Promotion

11. Payment Process

12. System Architecture
Jrsys Payment Authentication Servers
Jrsys provides:
Mobile iOS/Android Client SDK
Backend Authentication Servers

13. About jrsys
Innovative
Mobile and Cloud
Security-Enable
Company
13

14. Within 4 years
Gained 2 U.S. Patents
5 Taiwan Patents
14

15. Worldwide Awards
One of the 7 innovative ideas to provide
greater access to financial services from 98
best ideas of 26 countries
BY: MIF, IDB, CAF and GSMA
2012 ASIA PKI
Innovation Award
2012 Mobile Money
Innovation AAAAPPPPIIIICCCCTTTTAAAA AAAAwwwwaaaarrrrdddd 2222000011113333 Award SSSSeeeeccccuuuurrrriiiittttyyyy CCCCaaaatttteeeeggggoooorrrriiiieeeessss 15

16. Foxit Security Partner
27,500 Millions
PDF users
use jrsys Security Suite
16