The emergence of wearable devices like Google Glass, Apple Watch, and many others—combined with contactless technology such as near field communications—are being combined in new applications for payment processing, banking, and much more. Adopting wearables for contactless transactions will require technology shifts by both merchants and consumers. Using Google Glass as the wearable example, David Meyer demonstrates how users can see their account balance inside Google Glass to make purchase decisions, transmit the purchase authorizations, and transfer funds between their bank accounts. David discusses new security challenges and authentication issues with these technologies. He explores ways to improve adoption rates, including demographics to focus on, security standards to follow, UI limitations, considerations for application design, and API development. Take back a list of requirements for developing useful and compelling applications that combine wearables and contactless technology.

1.
T6
Session
4/16/2015
1:00
PM
"Wearables and Contactless
Technology—for Payment
Processing and Much More"
Presented by:
Shadi Saifan
FIS Mobile
Brought
to
you
by:
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Way,
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888-­‐268-­‐8770
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www.sqe.com

2. Shadi Saifan
FIS Mobile
Director of engineering at FIS Mobile, Shadi Saifan is leading solution strategy
and solution engineering and QA for all FIS Mobile client initiatives. Shadi is a
professional technology leader with fifteen years of experience in delivering
distributed, mobile, and enterprise solutions—with a focus on architecture,
design, and development. With extensive knowledge in mobile technologies and
platforms, he has worked with a large number of clients, cross-functional teams,
and a network of service providers to implement highly scalable distributed
projects for the mobile channel. Shadi previously worked for Deloitte Consulting,
IBM Global Services, and Hewlett-Packard in various design and technical roles.

3. 4/8/15
1
Next Generation Mobile
WEARABLES AND
CONTACTLESS TECHNOLOGY
David Meyer
Director of Product Development, FIS Mobile
AGENDA: INNOVATION
• Google Glass
• Beacon
• Apple Watch

4. 4/8/15
2
Google Glass
So easy,
even a…

5. 4/8/15
3
Glass Interaction Design Paradigms
Layout: Card-Based Timeline
Navigation and Action: Voice Recognition
Navigation Gestures: Tap and Swipe
Category A Category B Category C
B. Sub-Menu -1 B. Sub-Menu 0 Application 1

6. 4/8/15
4
Navigation Gestures: Voice Recognition
“OK Glass, {action} {input}”
“OK Glass, show me my accounts.”
Dismiss Timeline
Past
Future
Tap: Drill Down
Same as Tap
Navigation Gestures: Tap and Swipe

7. 4/8/15
5
Application A Application B Application C
B. Sub-Menu -1 B. Sub-Menu 0 Application 1
“OK Glass, {action} {input}”
(tap) Drill Down
Present(swipe forward) Future (swipe back) Past
Account 1 Account 3
(tap) Drill Down
Present(swipe forward) Future (swipe back) Past
“OK Glass, show me my accounts.”

8. 4/8/15
6
Google discontinued
Google Glass Explorer Program
on January 19, 2015…
with promises that the glass
future is coming.
Beacons

9. 4/8/15
7
Three Questions
1. What are beacons?
2. How do they work?
3. Why do they matter?
What are beacons?

10. 4/8/15
8
Proximity Advertising
Indoor Mapping
Point of Interest and Museums
Home Automation
What about GPS??
Longer mobile battery life
Allows indoor micro-location
Increased precision

11. 4/8/15
9
Apple is in the driver’s seat:
• All devices 4s and newer
• Third generation iPad and newer
• >200MM devices?
Android is lagging:
• Requires JellyBean 4.3 or newer
≈13% (receiver only)?
Beacons!≈
= iBeacon
iBeacon:
Apple Trademark and
part of the MFI Program
• Beacons and iBeacon use
Bluetooth Low Energy (BLE)
- Aka Bluetooth Smart

12. 4/8/15
10
HOW DO BEACONS WORK?
(1) Bluetooth-LE
{rssi, time-interval,
battery, temp}
(2) Trigger
Offline Interaction

13. 4/8/15
11
Load
Campaign
Bluetooth-LE
{rssi, time-interval,
battery, temp}
Trigger
“Cloud” CMS/
Interaction Service
Pre-load App With:
*Content
*Interaction Instructions

14. 4/8/15
12
rssi
time interval
arrival
sighting
exit
used to determine distance or proximity
used to determine dwell time
triggered first time a mobile device sights beacon
triggered for all subsequent beacon interactions
triggered when beacon is no longer sighted
Registration: beacon owner registers the beacon in order to manage
and configure the device
Discoverability: developer/beacon owner can make
beacon public or private
The beacon owner determines beacon discoverability
and managed application access

15. 4/8/15
13
Apple Watch
Watch Kit
Watch Kit Extension

16. 4/8/15
14
Innovation in Progress: Available in April?
Relevant
Financial Functions
Security
Non-repudiation
Other Contactless Payment
Payment FOB: Magnetic Strip Transmission
QR Code
BLE