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3 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Prosodie Payment An innovative payment processor
Expertise
Technical Assets
Industrial infrastructure
State-of-the-art security
High performance & high availability
Flexibility & agility
Time-to-market
Off-the-shelf modules
Customized solutions
Innovation
Cloud based solutions
Pay-per-use model
Specifics Prepaid
Multichannel e-payments
Mobile payments
Multichannel e-subscription
4 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Beyond payment …
Customer-centric services and uses
Anticipating new behaviors and
regulatory changes
Innovation as a differentiation
5 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Prepaid Services
6 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
An renown and rich offer to rise Prepaid business
Rich and innovative Prepaid services management solutions:
Usages : gift, incentive, meal, payroll, social benefits, cashless, multiservice cards
Open and closed-loop programs
Multi-format: plastic (magstripe, barcode, Chip&PIN, NFC), e-card, m-card
Value added services: end-user self-care, multichannel e-subscription
A unique acceptance and distribution solution:
EasyPrepaid
International and multi-language platform
An agile, comprehensive and industrial
offer
7 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Consumers
Internet
Gifting
Promotion & rewards
Wallets
Cashback
Customers
Payment
Insurance claims
Youth & unbanked
Multi-application cards
Cashless Citizens
Social benefits
Claims & emergency
Subvention
Transportation
Parking
Employees
Payroll
Travel expenses
Incentive & motivation
Fuel / Meal
Corporates
Retail
Financial
Institutions
Public Institutions
Innovation through uses & functionalities
Closed-loop & open-loop
8 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
A comprehensive offer
Closed-loop
A turn-key solution
Open-loop
Agile and easy-to-plug modules
An industrial “store value” platform
A comprehensive and rich solution
Multi-language, multi-currencies
Multichannel, multi products, multi-applications
Time-to-market oriented
Unique acceptance and activation module: EasyPrepaid
9 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
POS Software & real-time transactional interface enabling prepaid products
activation and acceptance
An acquiring switch to any
issuing processing
system
Gateways with majors
processors & issuers
For prepaid products providers, connection to EasyPrepaid provides access to a wide and technologically advanced retail distribution network.
Prepaid products distribution and close-loop cards acceptance
For retailers, deploying EasyPrepaid in their POS provides a gateway to prepaid product providers in a number of categories including :
Gift cards, Gift Boxes
Music, gaming ..
Reloadable debit cards
Transactions
Redemption
Balance inquiry
History
Reload
Cancelation
Activation
Ticketing
Vouchers
SWITCH
Issuing & Processing
platforms
Shops
E-commerce
10 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Create your own prepaid corner
Available products through distributors :
Connected issuers :
11 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
BPCE Group
Manage 16M bank cards
6,5 billions transactions
Natixis customer case (BPCE group)
Open-loop and filtered-loop prepaid cards services :
Payroll
Incentive
Gift Cards for Shopping Mall
Multi-services contactless cards(payment & transportation)
European leader in prepaid services
management
Manage 30M prepaid accounts
Multichannel expertise
A comprehensive prepaid cards issuing and management platform proposed by NATIXIS
using PROSODIE platform and know-how
12 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
A contactless multi-service card combining transport and payment A co-branded prepaid card proposed by Caisse d’Epargne Bank
and Veolia Transport (Transdev) to simplify citizens lifes
Processing of contactless prepaid debit cards
(offline/online account management)
Multichannel cardholder self-care
A comprehensive prepaid services management
solution integrated to the bank issuing and
payment factory
1. A contactless transportation card, reloadable
on CITEVIA’s ecommerce site and on ticket
machines (self service or staff operated) and
on Caisse d’Epargne’s ATM, all over the city
of Reims
2. … combined with a prepaid contactless debit
card for a day-to-day use in the city.
3. No associated bank account needed for the
cardholder. His prepaid card is reloadable on
the internet.
4. Transportation information services and
incentives for the cardholder.
CITEVIA card
13 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Processing of restricted-loop prepaid cards
Activation at POS through EasyPrepaid solution
Multichannel cardholder self-care
A comprehensive prepaid services management
solution integrated to the bank issuing and
payment factory
1. A VISA gift card accepted in every shops
inside Unibail-Rodamco’s malls
2. Distribution and real-time activation at
dedicated POS inside the mall, online
distribution on www.lacartecadeau.fr
3. An asset to encourage attendance and
customer loyalty
4. More than 220 000 cards issued
“Shopping et Sensation” gift card
A VISA prepaid gift card available in Unibail-Rodamco malls
14 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Processing of filtered-loop prepaid cards
Activation at POS through EasyPrepaid solution
Multichannel cardholder self-care
A comprehensive prepaid services management
solution integrated to the bank issuing and payment
factory
1. A multi-brand gift card distributed in 3 000 Post
Office, 290 agencies of « Caisse d’Epargne »
bank and in FNAC retail network
2. Accepted over a +150 brands network
3. Two declinations : «Just for Kids» and « Maison
Déco & High-Tech »
Cadocarte gift card
A VISA private label multi-brand gift card accepted over a +150 brands network
15 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Processing of filtered-loop prepaid cards
Multichannel cardholder self-care
Enrollment through web interface : card contract
generation, KYC and supporting documents
control
1. A nominative prepaid VISA card , distributed in
local missions all over Auvergne country
2. Funded by “région Auvergne” public collectivity
under revenues conditions
3. Redeemable in a restricted partners network :
public transportation, health insurance,
scholarship expenses, student housing …
Social benefits : “carte Jeunes Nouveau Monde”
A social benefits card, issued by “région Auvergne” public collectivity, dedicated to scholarship holders students and young unemployed
16 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Deployment of EasyPrepaid technology in
FNAC POS network
Processing of FNAC gift card program
Connection to prepaid products issuers and
resellers
150 shops
Leader of cultural goods and contents distribution
Prepaid programs and products :
Fnac gift card
Acceptance of several multi-brand gift cards (Kadeos, Illicado, Best…)
Music, games and cultural contents (iTunes, Canal+, Facebook, Zynga …)
Gift boxes activation (Smartbox, Wonderbox…)
FNAC customer case
Fnac chose Prosodie’s EasyPrepaid to develop its prepaid strategy, from its own gift card program to new prepaid products corners
17 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
LVMH Group
Leader in the sales of cosmetics and perfumery
products
At tte forefront of Digital Marketing
An international gift card program :
600+ POS
Multi language and multi-currencies: 300 POS in France, 100 in Italy, 100 in Spain, 90 in Poland, 20 in Portugal.
Next to come: Czech Republic, Turkey, Scandinavian countries…
Processing of Sephora gift card program
worldwide
Distribution and acceptance in Sephora
stores and e-commerce sites
Accompaniment and support for
international rollout
SEPHORA Gift Card
Sephora, brand and chain of cosmetics store, chose Prosodie in 2006 to developp its gift card program in France and worldwide
18 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Innovation : mWallet
19 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Mobile Prepaid : M-wallet Ex: Meal voucher NFC application
Merchants & Corporates
back-office
A user-friendly & secure mobile payment experience
20 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Acquirer
Wallet
1 2
6
5
7
PSP e-Card
Issuer Scheme
Visa / MC
3 4
Bank’s Wallet Payment scenario
1. The customer chooses, at the PoS, to use his
wallet for payment (in-store or online). The
wallet is identified using the mobile phone
number or through QR/barcode scanning
2. Customer payment approval from the
customer via mobile (password entry)
3. Activation and top-up of the virtual prepaid
card associated to the wallet (with the exact
needed amount)
4. Issuing of the payment transaction towards the
merchant’s acquirer using the prepaid e-Card
5. Standard authorization routing via payment
scheme or via on-us system
6. Authorization delivery by the Prosodie Prepaid
system
7. Transaction routing towards the merchant’s
acquiring system & settlement
21 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Online payment
22 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Web
IVR
Call Centre
Mobile
• Main online purchase channel • Decrease abandon rate : 10 to 20%
abandon
Online Payment At the center of customer relationship
• Keep a personal link with customers and guide the purchase • The new booming channel
• The channel of new behaviors • Anytime - Anywhere
23 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
A global and multi-channel payment solution
Web
Mobile
Call centre / IVR
Alternatives and
local payment
methods
Multichannel Payment Front-end Back-Office
Acquirers connections
(+150 « worldwide »)
24 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Customized dashboards and reporting
Analysis, activity follow-up, alerts
Chargebacks optimization
State-of-the-art features to grow the business…
Multichannel fluid and seamless payment experience
Web
IVR & call center with Call&Pay
Mobile (native Apps & multiscreen with Wope)
Advanced features: one-click, recurrent payment, ScantoBuy
PCI-compliancy on every channel: Web, mobile, and voice (IVR)
3D Secure
Powerful risk management module with +120 points of control: velocity, causality scoring, black- and whitelist…
Multi-currency, multi-language
Alternatives and local payment methods
Connected to +150 acquirers worldwide
Enhanced payment experience Risk management
International reach Advanced monitoring
25 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Business Intelligence Platform
Transaction tracking
Business monitoring & analysis
Risk management
Chargeback management
Administration
An intuitive web-interface to drive your business
26 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Regulation
Financial
impact
Reputation
Trust
Security in payments, a key issue
Payment Card Industry Data Security Standard
27 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
IVR/call center payment
28 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Call & Pay At the convergence of Prosodie’s expertises
Customer
relationship
Payment Security
29 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
In one click, the call-center agent connects the customer to a secure vocal server (IVR)
Guided by the payment IVR service, the customer
enters his payment card details via the phone keypad
When the payment is completed, the agent can take back the communication
Email or SMS notification to confirm the payment
1
2
3
4
Call-center payment A simple customer payment experience
30 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
On ODIGO agent desktop : Payment process monitoring
Redirection to the secure
payment tunnel
31 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Incoming call of the customer
Choice of payment through the menu
The customer enters his reference number
Guided by the payment IVR service, the customer
enters his payment card details via the phone keypad
Email or SMS notification to confirm the payment
1
2
3
4
5
Self-care payment IVR, A fast and automatic payment experience
32 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Customization of the welcome message
Sound and music customization
• Context transmission mode
• Payment process time-out
• Number of retries
• Exit button
Options settings
Possibility to take back the communication
Payment confirmation by SMS or email
A personalized IVR service
33 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
M-commerce & Mobile payment
34 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Some
m-Commerce
references
M-Commerce end-to-end solution
35 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Multi-screen payment pages
Data card capture One-step payment
36 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Use your mobile phone as a card reader
Capture process
starts using the
camera
Data card capture Payment experience
choice CVV entry
Innovative payment experience Scan to Buy feature
37 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
Customer cases
38 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
A tailor-made and secure IVR service
Payment transactions are secured and PCI-DSS
compliant
A back-end web-interface (BIP) to manage
transactions and chargebacks
Business Case Thello Call-center payment
1. The call-center agent informs the customer of
purchase details.
2. For payment, the customer is transferred to a
secured and personalized IVR payment server
3. The customer types his debit card data using
the keypad of the telephone and initiates the
payment transaction
4. Confirmation by email/SMS
5. The agent can take back the communication at
anytime for customer support.
A powerful Person-to-Person selling process incorporating the highest security
standards
39 Copyright © Prosodie Capgemini 2013. All Rights Reserved
Presentation Title | Date
An automatized and personalized IVR
Payment transactions are secured and PCI-DSS
compliant
A back-end web-interface (BIP) to manage
transactions and chargebacks
Business Case Crédit Municipal de Paris: Debt collection IVR Service
1. The customer types a reference number on the
IVR. The total amount of the transaction is then
announced.
2. He is transferred on a secured and
personalized IVR payment server
3. The customer types his debit card data using
the keypad of the telephone and initiates the
payment transaction
4. A confirmation of the transaction can be sent
by e-mail or SMS..
A value added services for CMP agents, who are doing pawnbroking.
An automatized option to secure collection payments.
www.prosodie.com
www.capgemini.com
About Prosodie-Capgemini
With more than 120,000 people in 40 countries, Capgemini is one of
the world's foremost providers of consulting, technology and
outsourcing services. The Group reported 2011 global revenues of
EUR 9.7 billion.
Together with its clients, Capgemini creates and delivers business
and technology solutions that fit their needs and drive the results
they want. A deeply multicultural organization, Capgemini has
developed its own way of working, the Collaborative Business
ExperienceTM, and draws on Rightshore ®, its worldwide delivery
model.
The information contained in this presentation is proprietary.
© 2013 Prosodie Capgemini. All rights reserved. Rightshore® is a trademark belonging to Capgemini.