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Игорь Голдовский Генеральный директор август 2013 г. PowerPoint PPT Presentation


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Безналичные платежные инструменты завтрашнего дня. Игорь Голдовский Генеральный директор август 2013 г. Основные черты платежного инструмента будущего. Платежный инструмент ближайшего будущего будет использовать:

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Игорь Голдовский Генеральный директор август 2013 г.

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2013

2013 .


2013

  • :

  • ( )

  • , , ( ) F2F-

  • :

  • :


2013

  • ()-

  • + ( ..)

  • 30% (45% ) 50% (75%) . 80% 95% .

  • : . 2008 2011 . 610 340 . . 5.2 bp c 9 bp

  • EMV . EMV Next Generation. 2025-2030.


2013

  • - : 7 . (SIM/UICC-), 2016 . 8 .! 3 . -

  • - , : , /, , , , , /

  • (!)


2013

  • : / , ,

  • ,

  • , ,


2013

  • ( F2F, )

  • F2F- ( 2.5-3 )

  • ( , , , mPIN, - Button Pushing / PIN Entering)

  • ( , )

  • ( , )


2013

  • (Prepaid small ticket trnx)

  • - Offline Only CCD-compliant Prepaid ( EMV- : VSDC+ MasterCard Prepaid )

  • - Offline Only : , => ( ). Bitcoin, BitMint, BitPay

  • / . = !

  • (VMPA, MMP) (Offline Only ).


2013

  • NFC

  • , (P2P), , , .. , , .


2013

  • , NFC

  • : . ,CNP-fraud, Lost/Stolen, 95%

  • : NFC- . PCI

  • : , (, )

  • : , ,


2013

  • CAT-

  • / , / ( ) , POS-.

  • Custom URL Scheme . , chip related data, ! (VMPA, MMP) mPIN.

  • CAT-!


2013

  • CAT-


2013

  • . , :

  • (, )

  • (PIN- , ..)

  • :

  • - (iOS, Android)

  • - , ;

  • - ( , )


2013

  • (Trusted Execution Environment)

  • - , , (Android, iOS, Java2ME ..). TEE :

  • (trustlet) (PIN-, , - ..)

  • (, ) , TEE

  • ( App processor).

  • .

  • Trusted Logic Mobility, Texas Instruments,

  • ARM ..

  • , Android, Symbian, Windows Mobile

  • Linux.

  • GlobalPlatform TEE.

  • GP TEE Compliance Program

  • (FIME, Galitt)


2013

  • SIM Alliance Open Mobile API:

  • SmartCard API-


2013

  • ( Twinlinx)


2013

  • - !

  • :

  • : , (F2F ), ( (F2F) )

  • ( , mTicketing, , ..)

  • (Wallet), checkout

  • :

  • ,

  • : , MNO, Google, PayPal,

  • ( , ..)


2013

  • :

  • : , , ,

  • (4-6 ): (12-14 ) (27-44 ) , , , , . (, , , ..)

  • (Merchant fee)

  • NFC- (, ..). NFC- (, / )

  • (MNO, ..):

  • -

  • - (~0.3%)


2013

  • Consult Hyperion: 5% POS- . 2016 . 50%!

  • ABI: 10% POS- , 2016 . 85%

  • 2020 .

  • - EDC: 2016 . $ 635 .

  • - EDC: 2016 . 322 . . 45 . NFC-

  • 10-15 NFC-


2013

  • Digital Wallets

  • (, ) .

  • : Google Wallet, PayPal Wallet, Isis Wallet, Square Wallet, V.me, MasterPass, Dwolla

  • ( ) ,

  • : ( Checkout )

  • F2F

Square Wallet


2013

  • . ( ).

  • -, SAML2 Browser/Artifact Profile

  • - !!!


2013

(MPOS)

(http://www.pymnts.com/assets/Uploads/MPOS-JanuaryFINALv3.pdf)

1) MPOS ( EMVCo L1&L2, PCI PTS):CardEase Mobile, Elavon, Handpoint, MPED-400, Miura Shuttle, Payworks MPOS, ThyronPosmateSmart, Datecs BluePad, Datecs Dual Reader

2) Chip Only MPOS: iZettle, Swiff, Soft Space Mobile EMV (EMVCo L1&L2)

3) MPOS : Square, EseTap, Groupon, 2can, Sellbycell, Kudos Slice, NetSecure Payments

80 ( 40).

2010 2011 . 1.2 . . , , 3 .

Trusted Execution Environment MPOS


2013

  • Match on Card System on Card

  • ISO19794 (BioAPI v.2.0), ANSI X.9.84, ISP 19785, Global Platform (Global Services Application)

  • Fast Identity Online (FIDO)Alliance(http://www.fidoalliance.org)

    • : Grinrod Bank-South African Social Security Agency Card. M/Chip + Biometric voice & fingerprint /


2013

  • :

  • ( ), , ( , -, ),

  • (F2F- ),

  • - (P2P- (P2P via Google, Square Cash), ..)

  • !


2013

  • !!!

, 124498, .,

4806, 5, 23,

-

+7-495-276-17-12


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