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Data Integration

Data Integration. Moin Moinuddin Program Manager Microsoft Industry Solutions Architecture Team. Agenda. Business Challenges Connected services Framework Payments Q&A. Application. Data Integration. Infrastructure. Business Challenges. Globalization. Competition. Regulation.

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Data Integration

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  1. Data Integration Moin Moinuddin Program Manager Microsoft Industry Solutions Architecture Team

  2. Agenda • Business Challenges • Connected services Framework • Payments • Q&A

  3. Application Data Integration Infrastructure

  4. Business Challenges Globalization Competition Regulation Customer Demands Technology Change Business Results

  5. Business Consequences CustomerDemands GreaterFocus Competition Globalization Greater Interdependence Regulation TechnologyChange

  6. Single Application Connected Systems Microsoft Platform Microsoft Platform Connected Systems – The New Application

  7. Connected Systems (Realizing Business Imperatives) Multi-channel retailing Enterprise collaboration POS Customer Experience Business Intelligence Supply Chain Business Operations Compliance

  8. Connected Services Framework

  9. Problem definition Current infrastructure does not have the agility to keep up with business objectives • “… I need to bring 50 new services to market in next 12-18 months” • “… I need to be driving $X00 million in revenue from new services in the next two years” • “… it costs me $2 million to launch each service” • “…It takes too much time and energy to bring even a simple service to life” Online Shopping Offer to purchase Voice call + SMS Wireless Operator User

  10. The Solution (Retailer becomes the “Service Aggregator”) • Requires ability to dynamically “connect” disparate services together so they collaborate and can be managed as one • Now, as the aggregator: • Retailer leverages partner product/service, but maintains central position in value chain • Participates in new revenue stream • Better leverage of existing assets and customer relationship Modifying the previous example… Aggregates all products/services and shopping Revenue Share Revenue Share User’s preferences, Purchase transaction, Purchase history Consistent user behavior Wireless Operator Voice call + SMS User

  11. Value lies in assembling combinations of services across all levels… Putting It All Together Mobile shopping service Partner or Public Services Partner installation service Loyalty Point Service 2 Location service Service 1 Store Services Print service Customer management service Point-of- Service Service 3 Back-end or Corp Services Real time inventory mgmt service Store locator service Returns processing service Product catalog service • Service 3 Scenario • Customer returns an item at Chicago store which was purchased in Seattle • CMS requests the authorization from the returns processing service (RPS) • RPS requires the barcode from the CMS • Once the bar code info is provided item return is processed and receipt is printed • Service 2 Scenario • Customer looks up product information using his mobile device • Central product catalog service provides product information, in addition informs the customer where is the nearest store with the product • If customer orders it, then the order is printed in the appropriate store ready for pick up when customer arrives • Service 1 Scenario • Customer buys a Dishwasher & requests installation • POS system contacts partner service for installation and Informs the customer of when and who will install it • POS system also notifies the inventory management system • Prints the receipt along with the installation appoint and partner name

  12. Example Scenario: Wireless Consumer ServiceRetail Price Check Service 1 Mail image to price check alias Amazon.com Web Service 2 Web service call to bar code recognition service Bar code Recognition Service 2 4 3 Web service call to amazon.com 3 4 SMS book price and rating to user Price-check Service 1 5 Billing event notification to billing system 5 Billing 1 SMS MMS 4

  13. A software product and Service-Oriented Architecture (SOA) for creation and management of services across networks and devices • Connects… • New services to existing • infrastructure • Services across different • networks and devices • Individual (leaf) services into composite services

  14. Microsoft Connected Services FrameworkNew service creation through aggregation • Quickly build or modify services • Dynamically add and remove services during runtime • Collaborate in new ways with partners • New opportunities to leverage existing assets • Maintain primary relationship with subscribers Individual Services Partner Service 3rd Party Service Billing, etc. Service B Service A Web Service Interface Partner Service 3rd Party Service Billing, etc. Service A Service B New Aggregated Service Service Logic Logic or orchestration to manage interaction between the individual services Through Connected Services Framework, this aggregated service can now be deployed and managed as a single service

  15. Microsoft Connected Services FrameworkConsists of… • A server product to manage common functions of service control and aggregation • Common sets of interfaces and software logic for connecting to back end systems • Web services API for adding new services • SDK and developer environment for building new services

  16. Mobile Web Services

  17. ScenarioProgrammable service ecosystem enabled by a commercial transaction • Network Operator • Are trust brokers • Provide authentication • Provide Billing • Provide network services • End user • Integrated experience • Enabled by Platform delivered • through client apps. • Service Provider (ISV) • Focus on service delivery • Outsource billing/authentication

  18. Payment Models

  19. Trust Boundary Payment Today • Merchant must hold data representing the user and payment details • May have to make legal assertions (EG purchasing alcohol) • Store sensitive financial details (credit card information) • Safeguard personal details against data theft • User must trust the merchant to not misuse payment details Bank Client Online Merchant

  20. Trust Boundary Single Payment Client already has Dell identity token Client attempts to purchase a PC from Dell Dell doesn’t charge the user until the PC is shipped and built Dell requests a reserve payment for the PC The client may interact with the user requesting authorization to proceed The client encrypts the payment request using the client identity This payment request is sent to the MWS Payment Provider This authenticates the request and verifies the account holder has sufficient funds If successful a Payment Token is issued, the funds are then reserved, guaranteeing payment The Payment Token is then signed and returned to the client. The client passes the payment token back to Dell. Dell verifies the token against the MWS and if successful completes the order. MWS Payment Client Dell

  21. Trust Boundary Single Payment continued Dell builds the PC to the Client’s specifications and is ready to ship Dell uses the Reserve Payment Token to request payment from the MWS (note the amount may be different to the reserved amount) The MWS verifies and returns the payment response Approved Dell can now ship the order out to the customer Rejected or User Interaction Required Dell chooses what course of action to take MWS Payment Client Dell

  22. Payment Federation • Business relationships are complex and difficult to model • Avis may require payment per BA holiday package sale • Insurance may provide an annual flat rate with BA • Most flexible model is to allow BA to manage it’s own payment relationships with Avis and Insurance • To the Client and MWS Payment they are only dealing with BA • BA deals separately with Avis and Insurance Trust Boundary Trust Boundary MWS Payment Avis Client BA Insurance

  23. Solution Topology Microsoft MWS Servers MWS Framework RBA Protocols SQL Server MOM Server ISA Server MWS Server Hello via SMS! SMS Gateway Auth / Identity Charging / Payment Vodafone Network Services

  24. WS-Trust / WS-Security MWS Identity Payment ArchitectureClient to Server Application Process Remoting Channel MWS Framework Mobile Network Operator Windows Media Player Client Identity Token Service (Local STS) GSM / SIM Identity Token Service Auth WS-Trust / WS-Security SIM Security Token Payment MWS Identity Token Service MWS UX Process WS-Trust / WS-Security Auth MWS Security Token Authentication / Credentials UX Payment Token Service MWS Payment Token Service WS-Trust / WS-Security Payment Security Token Secure Payment Processing UX Payment WS-Trust / WS-Security Service Provider MSN Music

  25. Goals • Goal is to provide a secure, trusted, Web services-based payment model for server-server and client-server scenarios • Targeted for both consumer-to-business payments, as well as business-to-business payments • Plan is to enable Windows to provide trusted payment capabilities for all applications, not just the browser • Plan is to provide a .NET client and server platform to more broadly enable payment integration into application and services

  26. Microsoft Points

  27. What is Microsoft Points? • Microsoft Points: • Enables efficient micro-payments • Enables prepaid purchase for cash based consumers (kids/teens, Immigrants, emerging and developing markets) • Provides a mechanism to acquire and directly reward loyal customers (direct revenue sharing) • Introduces and defines a new impulse purchase user experience on the web • Microsoft Points is part of the MSN payment strategy • Points does not replace other payment options but adds a new instrument with very unique characteristics and capabilities to our suite of payment options

  28. What is Microsoft Points Solving? Problem: • There is no efficient way to sell low priced ($0.05 – 5.00) digital content or services online today • The dominant buyer of these types of goods (music, games, ring tones) buy with cash and today it is difficult to use cash online  Solution: • Best solution to this problem is to use a prepaid stored value model Reason/Evidence • Stored value has the absolute lowest transaction cost because you are subtracting from known good funds with no settlement risk • More than 70% of cell phones worldwide (of nearly 2B) are sold via prepaid stored value • Prepaid stored value music, and prepaid MMOG cards have also sold well globally • Starbucks has had huge success with it’s prepaid Duetto card

  29. Microsoft Payment Gateway

  30. Microsoft Payment Gateway • The SCG (MSN) payment gateway enables merchants to collect payments through a variety of payment methods. • The gateway acts as a bridge between the merchants and the financial institutions that process payment transactions. • It is a hosted solution only • V2 is targeted for external partners and customers. • First version the payment gateway will support credit card transactions including real-time authorizations and settlements through Citibank. • In the future, the payment gateway will be extended to support other payment instruments like PayPal, Direct Debit, bank transfer, or Premium SMS. • In the future, the payment gateway will also leverage the other SCS services including financial reporting, tax services, cash reconciliation, chargeback processing, etc.

  31. Microsoft Payment Gateway

  32. © 2004 Microsoft Corporation. All rights reserved. This presentation is for informational purposes only. Microsoft makes no warranties, express or implied, in this summary.

  33. SUPPORTING SLIDES

  34. What is Microsoft “Menger” • It is a payment routing, aggregation and reporting engine. • It supports Value Added Services such as least cost routing, batch processing, Micro-payments, fraud detections, recurring billing, etc., • MS “Menger” will allow large retailers to have the robust features they need while still working in the plug and play model delivered in the Payment Abstraction Layer • In addition, Menger will provide extensible model for adding additional value added services in addition to the ones which are built in.

  35. “Menger” Architecture

  36. Microsoft “Menger” Scenario • Retailer uses Batch Processing of Transactions • Retailer adds a loyalty program to MS “Menger” • Retailer uses business rules to keep its business going in case of a payment service outage • Retailer aggregates payments from its remote/mobile outlets

  37. Mobile/Contact-less Payments • In the US and worldwide there are many contactless payment initiatives including Mastercard’s PayPass, American Express’s ExpressPass, Chase’s Blink, NTT DoCoMo’s Mobile Payments and many others. • Current initiatives have focused mainly on Contact-less cards while a few have included Contact-less mobile phone based solutions. • The main early value driver of contact-less payments is increased speed of transaction over traditional magnetic stripe cards. • While this is a major benefit in certain retail segments, there are many other features that could be implemented when combining contactless payments with a smart payment device like a Windows Mobile Smart Phone.

  38. Mobile/Contact-less Payments Architecture

  39. Mobile/Contact-less Payments Scenarios • Consumer able to pay for coffee using mobile phone • Card becomes locked after theft • Automatic Payment Profile. • Customer automatically received loyalty points and rebates on their mobile phone • Peer to Peer Payments. • Transferring a limited card to another phone

  40. PAL/Menger Road Map

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