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Mobile Monday
Case Presentations
1
Wim Wendt: Practice Manager Business Innovation
MoMo Amsterdam, 31 March 2008
01 April 2008 MoMo Mobile Payment & Transaction Pilots
Vision Logica on NFC and Mobile Payments
NFC and Mobile Payments will be driven by three maj or trends:
• Consumers adopt mobile lifestyle
• NFC Value Added Services will be major driver for new consumer • NFC Value Added Services will be major driver for new consumer services
• Growing global reader infrastructure
• To save money: You can not forget your returned bottle receipt
Mission C1000 / Schuitema NV
“Our aim is to help the consumer save money, time and hassle in a
pleasurable and distinctive way when they do their shopping”
Schuitema case: why?
• To save money: You can not forget your returned bottle receipt
• To save time: Quick checkout, you don’t have to look for return bottlereceipts, loyalty programs have a shorter handling time at the cashregister
• Save hassle: Everything you need at the cash register is combined in one mobile phone.
01 April 2008 No. 3MoMo Mobile Payment & Transaction Pilots
• On line Debit (pinnen) with a mobile phone
- Make use of the current Dutch debit payment infrastructure using RFID/NFC
• Realize a system that is near to the current system of debit payments so thatcustomers know what to do
- The applications fit in the expectations of the customers and are directly related
Design criteria pilot
- The applications fit in the expectations of the customers and are directly related to their current way of doing daily grocery shoppings
• Make a chain of different value added services using the mobile phone
- There is not one killer application
C1000 Van der Wal in Molenaarsgraaf;100 customers join a 6 month pilot period
01 April 2008 No. 4MoMo Mobile Payment & Transaction Pilots
No. 501 April 2008 MoMo Mobile Payment & Transaction Pilots
Use of NFC payments
01 April 2008 No. 6MoMo Mobile Payment & Transaction Pilots
Results (1)
• Which payment method do you prefer?
– Mobile phone 68%
– Doesn’t matter 22%
– Traditional bank card 10%
• Do you like the Samsung NFC X700N phone, or would you have chosen another phone if available?
– I am very satisfied with this phone 82%
– It is not my preferred phone, I would have chosen an other phone 18%
• Do you tell others about this trial and the new possibilities?
– Yes, I tell others about these new NFC applications and this trial 98%
– No, I didn’t tell anybody yet 2%
No. 701 April 2008 MoMo Mobile Payment & Transaction Pilots
Results (2)
• If everyone could make use of these NFC services, would you recommend it to others?
– Yes, I would certainly recommend this to others 94%
– No, I would not recommend it 6%
• If more NFC services are available, also in other stores, would you immediately buy a new phone with NFC capabilities?
– Yes, I would immediately buy a new phone with NFC 49%– Yes, I would immediately buy a new phone with NFC 49%
– No, not immediately, but if current phone needs to be replaced I would buy
a phone with NFC capabilities 41%
– No, I would not buy a phone with NFC capabilities 10%
• Would you transfer your mobile account to a provider with NFC offering?
– Yes, if that is needed to make use of NFC 55%
– No, I would not do that 45%
No. 801 April 2008 MoMo Mobile Payment & Transaction Pilots
Results (3)
• Do you only use your phone as payment device in this trial?
– Yes, I only use my mobile 51%
– Most of the time I use my mobile 31%
– I pay sometimes with cash for low value payments 8%
– I pay sometimes with my old bank card 10%
• Do you use your phone for low value payments under 10 Euro? • Do you use your phone for low value payments under 10 Euro?
– Yes, I also use it for low value payments 84%
– No, for low value payments, I use card or cash 16%
• Now a pincode is needed for every transaction, also low value transactions. Do you like this, or do you prefer no pincode for low value payments?
– For low value payments I would prefer NOT to use a pincode 29%
– Also for low value payments I want to enter a pincode for security 71%
No. 901 April 2008 MoMo Mobile Payment & Transaction Pilots
Results (4)
• What are the benefits of using your phone for the RVM tickets and payment?
– It is easier and faster 51%
– It is faster 8%
– It is easier 8%
– I don’t notice any difference 33%
• Your payment card is in your phone now. If you would not need your bank card at all • Your payment card is in your phone now. If you would not need your bank card at all anymore, would you be willing to pay a few Euro cents per NFC transaction?
– Yes, I am will to pay for it, if I don’t need a bank card anymore 22%
– No, I do not want to pay more for Mobile transactions 78%
No. 1001 April 2008 MoMo Mobile Payment & Transaction Pilots
Other Comments and Possibilities
• Comments:– It is a lot easier than it sounds
– I thought I was too old for it (68 years old lady)
– This is great fun
– Unbelievable that this is possible with a phone
• Suggestions:
• Check with your phone product regarding allergy
• Use your mobile to check codes on product labels
• Get loyalty visible on your phone• Use your phone to scan products and
pay with it as kind of self checkout• Smart posters for advertising• Send SMS for additional opening hours
– Why not also use it for copier?
– We want more payment info on mobile screen
– Can it also be used for loyalty?
• Send SMS for additional opening hours• Etc.
No. 1101 April 2008 MoMo Mobile Payment & Transaction Pilots
NFC will enable the development of a range of new value-added services:
• Ticketing
– Events
– Public Transport
• Marketing & loyalty
– Frequent flyer program
– Smart posters
Payments
AccessConnection
Our inspiration is beyond payments developing & deliveri ng service(s)
12
– Smart posters
• Access Control
– Hotels, holiday resorts etc
– Customs at Schiphol Airport
• Based on the unique combination of a
– User interface
– Over-the-air communication
– Short-range communication (with NFC)
Ticketing
Loyalty
Service Innovation for the airline industry: Mobile Travel Assist
01 April 2008 No. 13MoMo Mobile Payment & Transaction Pilots
Demo Scenario’s
Check-in BoardingCheck
FF
miles
Shop Change Seat
Flightdelay
Visit Lounge
Shop in
airplane
Passengers
Flightchange
The purpose of the Travel Assist demo scenario is to illustrate a range of potential services for airline passengers, Operations Control and Crew using a mobile phone, especially at the airport.
14
Arrival
crewLockers
Crew arrivalinfo
purser
PIL and
Passen-ger info
Crew info system
Crew and Purser
Send
delay
infoOperations Control
Sendflight
changeinfo
Sell
products
Flight
delay
SMS
Check-in and receive boarding pass in the phone
Internet check-in:
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• Normal internet check-in
• Receive boarding pass by secure SMS
or with NFC reader
Airport check-in:
1. Hold phone next to kiosk for automatic
identification
2. Receive boarding pass in mobile phone with NFC
reader
Frequent Flyer Miles
A mobile phone may provide convenient access to loyalty information, redemption, promotions, and for identification
16
identification
FFM members are excellent target group for initial mobile applications, due to relationship value.
Demo: Tax-free shopping for promotions
Poster with smart tags
Steps :
17
Steps :
1. Tap phone at selected item
2. Item appears on phone
3. Select “Buy now ”
4. Confirm purchase
5. Amount deducted from Credit Card
6. Product delivered in the plane
One-click shopping
Demo: Change seat
18
1. Passenger can view his seat in the plane on his mobile phone
2. Passenger can change has seat, and will receive new boarding pass
3. € 4.00 Service charge deducted from his Credit Card
Demo: Crew arrival
19
Crew arrives at the airport
1. They swipe with their passport for official notice
2. For additional information they hold NFC phone near the computer.
3. Crew receives info on their phone:
- Locker no
- Briefing room no
4. The purser gets the crew arrival information on his NFC enabled tablet PC
Demo: locker unlocked
The crew can use their mobile phone to unlock their locker
20
locker
Demo: get update about delay in flight
1. Flight is delayed
21
1. Flight is delayed
2. Passengers receive SMS with updated
flight information (time and gate)
3. Boarding pass in phone is automatically
updated with new departure time
4. Passenger gets access to lounge by
entry code on NFC phone
Demo: get update about flight cancellation
22
1. Flight is cancelled
2. Passengers is re-booked and receives
SMS with new ticket and flight
information
3. New Boarding pass in phone is
automatically loaded
4. 1000 Air miles are added to his account
Demo: Purser can check passenger info
23
Purser can has full control with his tablet:
- Check if passengers are checked in
- Check if passengers are boarded
- Passenger information
- Check if crew has arrived
Demo: boarding with mobile phone
1. At the gate, the passenger simply touches the
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1. At the gate, the passenger simply touches the reader with his mobile phone
2. After validation of the boarding pass, a green light indicates that the passenger may board the plane
Demo: Shopping with in flight magazine
1. In the airplane the customer is reading the in flight magazine
25
flight magazine
2. He can buy products simply by touching the product in the magazine and his goods are delivered by the crew
3. Cabin crew receives information about products bought by passengers and delivers without additional payment transaction
Benefits
– Increased customer service
• E.g. flexible access to lounge
• Flight information by SMS
• Instant compensation for customer
– New revenue streams
26
• Increase in tax-free shopping
• Revenues for new services
– Direct communication, anytime, anywhere
• Travel Assist is always “in your pocket”
– Faster processes,
– less paperwork,
– more management information
Summarizing
1. The consumer is very positive using his mobile for mobile payments
2. NFC is an important building block for mobile payments And service innovation
3. We need to work together …..
NFC
Forum
Enterprise
marketBridge the Gap
No. 2701 April 2008 MoMo Mobile Payment & Transaction Pilots
Technology
push
Business / user
demand
Forum market
NFC
Application
NOT
NFC
Application
HOT
Bridge the Gap
Open Innovation Programs:
1. Explore payment and service development possibilities
2. Test user preferences
3. Innovate together developing our eco system
Questions
No. 2801 April 2008 MoMo Mobile Payment & Transaction Pilots
Thank you!Wim Wendt (+31-6 26 906 078)
Michel Bayings (31- 6 12 935 670)
29
Appendix
No. 3001 April 2008 MoMo Mobile Payment & Transaction Pilots
The future is NOW!
31
Number of JAL Touch and Go
users has already run into
millions , mainly individual
business travelers
Generic NFC Eco System / key roles
SIM Software
developers
Chip
manufacturer
NFC Handset
manufacturer
Application
providers
Issuer
(Bank)
Issuing
processor
developers manufacturer
Mobile operator
(Telco)
(Bank)
Trusted
Service
Manager
Consumer
Payment
network
Merchant
Proprietary
Payment
applications
Acquiring
processor
Acquirer
3rd party
HW supplier
Ticket & loyalty
issuer
01 April 2008 No. 32MoMo Mobile Payment & Transaction Pilots
Logica position
Logica is a leader in mobile solutions and mobile pa yments, providing business
consulting, application development and system inte gration services:
• Active member of MobeyForum
N°33
• Organiser of Mobile Payments Round Table, Brussels, 2006, with EPC
• From which came current initiative to design first blueprint for Trusted Service Manager
• Mobile Premium SMS services platform (also used for Postbank Mobile TAN codes)
• Driving force and active community member of Open Mobile Internet
• Developing various demos and applications in Working Tomorrow Innovation Program
• Turnkey hosted Mobile virtual network operator solution in the market
• Initiator and project manager of C1000 NFC payment and services pilot
What is NFC?
• NFC: Near Field Communication
• Wat is NFC?
• NFC brings the physical world to the virtual world
• NFC is a secure wireless technology, mainly used for mobile phoneapplications and short range communication (< 5 cm)applications and short range communication (< 5 cm)
• NFC is your contactless smart card in your mobile p hone
• With NFC a phone can read information from smart tags, by tappingthe phone to the tag.
• With NFC, readers can read and store information from a secure chip in your mobile phone.
NFC VAS will be a major driver for new services•NFC will enable the development of a range of new v alue-added services:
•
NFC Summary
NFC technology
Roles LogicaCMG in NFC eco systeem
SIM Software
developers
Chip
manufacturer
NFC Handset
manufacturer
Application
providers
Issuer
(Bank)
Issuing
processor
developers manufacturer
Mobile operator
(Telco)
(Bank)
Trusted
Service
Manager
Consumer
Payment
network
Merchant
Proprietary
Payment
applications
Acquiring
processor
Acquirer
3rd party
HW supplier
Ticket & loyalty
issuer
01 April 2008 No. 38MoMo Mobile Payment & Transaction Pilots