Powered Cards 6/18/18 A full set of cards to acquire new clients, - PowerPoint PPT Presentation

Powered Cards 6/18/18

A full set of cards to acquire new clients, increase revenue, innovate C o n fid e n tia l / R e s tric te d / M o tio n STRATEGIC c o d e LEVERAGE ACQUIRE PROTECT the card new clients your VIP customers with proof of life REVENUE BOOST your cross-border INCREASE DECREASE your card e-commerce and your fraud levels contactless spending volume transactions MARKETING GET CREATE COMBINE 18/06/2018 REINFORCE your card an innovative 3 cards your brand top of wallet offer in 1 2

Powered Cards ranges C o n fid e n tia l / R e s tric te d / M o tio n AVAILABLE NOW TOMORROW c o d e 1 2 3 4 DISPLAY CARDS MOTION CODE TM BLINK F.CODE SERVER 18/06/2018 SELECT O K eBank 3

Powered Cards ranges DI DISPLAY MO MOTION DE TM TM CA CARDS DS CO CODE eBank BL BLINK F. F.CODE SELECT O K 4

MOTION CODE TM C o n fid e n tia l / R e s tric te d / M o tio n c o d e MO TION CODE TM BLINK F-CODE DISPLAY CARDS 18/06/2018 5

3 Magic Figures C o n fid e n tia l / R e s tric te d / M o tio n 5 | 20 0 | c o d e +5% 0 new customer cases of fraud acquisition 18/06/2018 +20% increase in CNP revenue 6

Take CNP payments to the next stage C o n fid e n tia l / R e s tric te d / M o tio n An additional layer of security AN END TO END SOLUTION For CNP transactions c o d e An innovative Seamless user experience payment card No changes to the CNP process with a mini e-paper customers are familiar with screen to display a dynamic CVV/C changing automatically every hour Check-out process unchanged No impact for e-merchants A robust MOTION CODE TM server 18/06/2018 One out of two factors for to validate the MOTION Strong Authentication* CODE TM dynamic in the transaction flow Changing code makes duplication useless 7 *Regulations in Europe (PSD2) & India

A perfect tool for your customer lifecycle management C o n fid e n tia l / R e s tric te d / M o tio n c o d e ATTRACT revenues disappointed INCREASE RETAIN new customers on existing customers existing customers Win new customers Use MOTION CODE TM Replace cards 18/06/2018 who want the increased as means to increase that have been frauded security and/or your customers’ by MOTION CODE TM the innovative aspect that e-commerce spending cards to regain MOTION CODE TM offers (paying with the card as customers confidence they perceive it as secure) 8

Boost e-commerce transactions C o n fid e n tia l / R e s tric te d / M o tio n Awa, pharmacist, San Diego Awa regularly searches c o d e the web for interesting offers. She however is worried about fraud, and hence often choses COD as payment method Since Awa’s bank offered her the MotionCode card, Awa uses it for almost 50% of Awa hasn’t experienced any single occasion of her CNP payments and fraud with her MotionCode card she is now doing e-commerce more than before 18/06/2018 The MotionCode card is the card Awa uses most frequently for in-store payments as well 9

Your customers want to use their card online in a secure way C o n fid e n tia l / R e s tric te d / M o tio n >20 % c o d e make more than 5 >15 % transactions per month Were victims of CNP fraud 52% were debited > 150 80 % 75% changed their online shopping behaviour afterwards of CNP fraud is non- domestic 3 out of 4 1 out of 3 Would be more likely to use a MOTION CODE TM card 18/06/2018 Are ready to pay Versus a standard card for on line for MOTION CODE TM shopping A sample of 2,000 respondents 18+ distributed as 200 people by country (deuts/AGESIS, 2015) + customer feedback 10

MOTION CODE TM spreading through the world C o n fid e n tia l / R e s tric te d / M o tio n Some references c o d e 18/06/2018 Commercial deployments Advanced discussions 11

Purchase process unchanged for consumer and merchant C o n fid e n tia l / R e s tric te d / M o tio n Issuing bank Acquiring bank 4 c o d e 3 Static CVV card 2 5 Scheme Cardholder e-Merchant 1 1 Card data (PAN, expiry date and CVV*) entered by cardholder on e-m erchant’s site 2 The PSP of the e-m erchant sends the card data to the acquiring bank of the e-m erchant 18/06/2018 3 The acquiring bank sends the card data to the card network 4 The card network sends the card data to the issuing bank 5 The issuing banks controls the account of the cardholder and approves the transaction 12 * C S C : C a rd S e c u rity C o d e . C V V fo r V IS A , C V C fo r M a s te rc a rd e tc …

Purchase process unchanged for consumer and merchant C o n fid e n tia l / R e s tric te d / M o tio n MOTION CODE TM 2 3 c o d e Issuing bank Acquiring bank NO CHANGE for consumer 1 NO CHANGE for e-merchant NO CHANGE for card Scheme present merchant Cardholder e-Merchant Card is recognized as a M O TIO N CO DE™ one by its PAN or BIN : as a result, 1 18/06/2018 CSC** check is routed for validation towards the O T M O TIO N CO DE™ server 2 The O T server com pares the M O TIO N CO DE™ subm itted with the one it calculates 3 Result (Valid / Invalid) is routed back to the issuer’ server 13 * V is a p ro p o s e s D C V V 2 a u th e n tic a tio n s e rv ic e | * * C S C : C a rd S e c u rity C o d e . C V V fo r V IS A , C V C fo r M a s te rc a rd e tc …

Turn the CVV into an unreplicable element of security C o n fid e n tia l / R e s tric te d / M o tio n ELECTRONIC C P U ISO 7816 IS O Components inside the card c o d e standard format to calculate Card Security Code* according to time EMV EMBOSSAGE Antenna for contactless Possible ON MINI EMV E-PAPER SCREEN MOTION CODE™ Chip appears permanently BATTERY 18/06/2018 REFRESH Automatic 14 * C S C : C a rd S e c u rity C o d e . C V V fo r V IS A , C V C fo r M a s te rc a rd e tc …

Motion Code Verification Server (MCVS): 3 possible scenari C o n fid e n tia l / R e s tric te d / M o tio n 1. VISA SERVICE 2. HOSTED BY PROCESSOR 3. HOSTED BY ISSUER c o d e Merchant Merchant Merchant Network Network Network 18/06/2018 Bank/issuer Processor Bank/issuer 15

MOTION CODE TM is a end to end solution (issuer centric) MOTION CODE TM is a solution combining a card and a server software C o n fid e n tia l / R e s tric te d / M o tio n c o d e ISSUER'S MOTION CODE T M AUTHORIZATION SERVER SERVER 845 845 845 1 2 MOTION CODE TM SUCCESSFUL 5 4 3 1 2 3 4 5 Card data (PAN, Card is recognized as The IDEMIA server Result Transaction is expiry date and a MOTION CODE™ compares the (Valid / Invalid) approved/rejected MOTION CODE™) one by its PAN or BIN: MOTION CODE™ is routed back to 18/06/2018 sent “normally” as a result, CSC submitted with the issuer’ server via Payment check is routed for the one it calculates Service Provider validation towards up to the issuer’s the IDEMIA MOTION authorization server, CODE™ server just as a transaction with a “normal” card 16

MOTION CODE TM for your card future C o n fid e n tia l / R e s tric te d / M o tio n c o d e ? 000 What can we do THIS IS WHAT THIS IS WHAT THIS IS WHAT we have done you need happened TOGETHER? + 400,000 cards An innovative payment card with 5% new customers a mini e-paper screen to display + 4,000,000 dCVx 20% additional a dynamic CVV/C changing transactions CNP spend 18/06/2018 automatically every hour + 10 live 0 cases of CNP + implementations fraud A MOTION CODE TM verification server (MCVS) to validate the MOTION CODE TM dynamic CVV 17

C o n fid e n tia l / R e s tric te d / M o tio n 18 18/06/2018 c o d e F.CODE TM MOTION CODE TM BLINK F-CODE DISPLAY CARDS

Your customers want an innovative bank integrating biometrics into payments C o n fid e n tia l / R e s tric te d / F .C o d e SECURE CONVENIENT THE FUTURE PIN 73% 93% 31% see biometrics as rate fingerprint recognition of under 35s in the UK 18/06/2018 is highly convenient ** a secure method stating that they now find of authentication * PINs an annoying step in the payment process * 19 S o u rc e : * V is a * * M a s te rC a rd

Brand yourself as a bank for the 21 st century to acquire new customers C o n fid e n tia l / R e s tric te d / F .C o d e ACQUIRE INCREASE Acquire new clients An attractive card for Increase your card spending volume * High Net W orths as well Enable your card for high-value contactless as Innovative M illennials transactions, in com pliance with PSD2 (Europe) INNOVATE Create a 21st century branding GET your card top of wallet 18/06/2018 IMPROVE Im prove the card experience for cross-border travellers. Don’t reject any valid transactions as your custom ers travel 20 * In the UK, the number of (contactless) transactions more than doubled as the contactless limit was increased from 20£ to 30£

Embrace the card future with biometrics C o n fid e n tia l / R e s tric te d / F .C o d e A fingerprint sensor integrated PAYMENTS Leverage the card beyond on an ISO standard paym ent card The proof of life and identity aspect opens up for e.g. access control & eKYC Can be used at any existing TERM INALS No change for custom ers or m erchants – easy No DATABASE to deploy and use M anagem ent Fingerprints stored on the card PIN Replace the with a fingerprint Biom etrics = a future proof 21st century PIN 18/06/2018 The proof of life and identity aspect opens up for e.g. access ENRO LM ENT/eKYC options control and eKYC At the bank or on cardholder m obile 21