Instructions:

Please click your mouse on the screen, everytime you wish the Click Demo to proceed.

PSOCA

secure card-based ePayment solution

for payments to remote merchantsvia Internet-browser, mobile telephone or

iTV

The easy-to-use PSOCA User Interface

Click Demo

The consumer / end-customer is on the web site of any Internet merchant and has decided to do a purchase.

The consumer / end-customer is on the web site of any Internet merchant and has decided to do a purchase.

Please click here

The merchant‘s payment page asks the customer for his/ her (credit) card details.

The customer can either go and fetchhis/ her plastic credit card, or ...

The merchant‘s payment page asks the customer for his/ her (credit) card details.

The customer can either go and fetchhis/ her plastic credit card, or ...

... he/ she has been issued a secure virtual card. This card can be accessed online, for instance via a bookmark.

... he/ she has been issued a secure virtual card. This card can be accessed online, for instance via a bookmark.

Please click on the bookmark.Please click on the bookmark.

The card is presented in a small browser window. The customer logs in by authenticating himself/ herself by means of username and password. Then he/ she activates the card.

The card is presented in a small browser window. The customer logs in by authenticating himself/ herself by means of username and password. Then he/ she activates the card.

The card is now activated. It looks like a normal credit card. The customer has no news tricks to learn. He/ she simply enters the card details into the merchant‘s payment page ...

The card is now activated. It looks like a normal credit card. The customer has no news tricks to learn. He/ she simply enters the card details into the merchant‘s payment page ...

... and continues to check out.... and continues to check out.

The merchant is starting the real-time authorisation process (i.e. requests authorisation from the issuing bank / the consumer‘s bank).

The merchant is starting the real-time authorisation process (i.e. requests authorisation from the issuing bank / the consumer‘s bank).

As soon as the authorisation request reaches the bank, the PSOCA card gets automatically de-activated.It can only be re-activated by the consumer.

The User Interface feeds this back to the consumer,for him/ her to perceive the added security.

As soon as the authorisation request reaches the bank, the PSOCA card gets automatically de-activated.It can only be re-activated by the consumer.

The User Interface feeds this back to the consumer,for him/ her to perceive the added security.

A few seconds later the merchant has received authorisation and confirms the payment.

A few seconds later the merchant has received authorisation and confirms the payment.

That‘s all. This is how easy a secure payment can be performed. The process is entirely intuitive and can be done by anybody, who can use a normal plastic card on the Internet.

In principle, the consumer could now close the card window. That's all he/she needs to do for a payment.

That‘s all. This is how easy a secure payment can be performed. The process is entirely intuitive and can be done by anybody, who can use a normal plastic card on the Internet.

In principle, the consumer could now close the card window. That's all he/she needs to do for a payment.