HCE Service Client Business Proposition June 2018 Proposition for - PowerPoint PPT Presentation

! HCE Service Client Business Proposition June 2018

• Proposition for Clients: • Bank Card Issuers, • 3 rd Party Wallet Providers, • Merchants, ! • Payment Gateways Objective • Off-the-shelf Mobile Payments SAAS: • HCE SWIM mobile payments app (MPA) and • HCE SWIM mobile application platform (MAP) host • Future of digital payments based on global standards

• Fintech start-up founded in 2015 o Dr Chandra Patni – CEO/CTO o Nisha Patel – EVP HR & Partnership ! o Remy De Tonnac - Chairman. Background • Specialized in mobile payments services: • Cards Tokenisation (Host Card Emulation) • Ecash Digital Cash based on Blockchain • Loyalty based on Blockchain • UPI Bank Accounts Transfers

HCE Cards HCE Cards HCE Cards NFC Payments In-app Payments Website Payments ! Mobile Payments Ecash Loyalty UPI (India only) Digital Cash Vouchers Bank Accounts Services Payments Payments Payments

HCE Visa/Mastercard Ready Business Host API HCE SWIM Application MAP Host Host Merchant MPA ! HCE Service Internet Client Proposition Bank MPA Architecture 3 rd Party Wallet MPA HCE SWIM E x t e r n a l A P I MPA App Merchant MPA Bank MPA

Secure Access Client Host Client Platform MPA ! Visa / Simple HCE Mastercard Token Mobile and Host HCE HCE SWIM TR- & I- Services HCE SWIM Host P2P Client Integration TSP MPA P2P VTS / MDES Client Mobile Digital app Host Device Platform

Instant Digital Card Accounts HCE SWIM MPA NFC ! Payment HCE Cards In-app Payment Website In-app Payment

• Visa/Mastercard/Proprietary Digital Cards • HCE Ready • One platform for all Card Networks • Managed Service ! • low cost SAAS • HCE Cards PCI-DSS compliant Benefits • RBI/PSD2 2FA Compliance (2-factor authentication) • PKI based SWIM User ID • Mobile device, User PIN & Biometrics • Non-repudiation of remote payments • Simple API Integration to • Client Business Applications, and • Client Mobile Apps

! RBI Promoting PKI Digital Signatures for Mobile App Transactions

HCE Cards ! UPI (India) Use Cases Ecash Loyalty

! Use Case HCE Cards NFC Tap-and-Pay Payments

! Use Case HCE Cards In-app Payments

! Use Case HCE Cards In-app Payments E-commerce Website Initiated

! Transaction Successful Use Case HCE Cards & UPI Scan and Pay 1. Website QR code 2. “Scan and Pay” in HCE 3. Payment complete Checkout MPA app Scan and Pay with HCE Cards and UPI

! Ecash & Loyalty Use Case Blockchains

Client App Integrated ! with HCE SWIM MPA Ecash & Loyalty HCE SWIM MPA Proprietary HCE Cards Sophisticated Blockchain based Loyalty Program Moving from traditional plastic loyalty card to digital World’s 1 st EMV Proprietary HCE Cards for Ecash and Loyalty

! Ecash Deposit

! Ecash/Loyalty Send

UPI (India) ! P2P Bank Accounts Use Case Payments Unified Payments Interface

! UPI Payments Send and Receive Accounts Transfers

• HCE Cards Tokens (Host Card Emulation) ! HCE Service • Ecash Digital Cash based on Blockchain Mobile Payments • Loyalty based on Blockchain Summary • UPI Bank Accounts Transfers