Chip & PIN card acceptance with Smartphones - Presented to Apps World by Peter Turner, CEO, CreditCall
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Chip & PIN card acceptance with Smartphones
Presented to Apps World
30th November 2010
by Peter Turner, CEO, CreditCall
CardEase Mobile from: www.cardeasemobile.com
CreditCall
CreditCall is a world leader in handling wireless transactions.
Since 2000, it has led the world with innovation for card
acceptance on parking and kiosk devices using wireless
(cellular) data communications.
This unparalleled experience is now being focussed on cross
platform Chip & PIN transactions using smartphones.
CardEase Mobile from: www.cardeasemobile.com
Interesting Figures
Target Pool UK USA CANADA GERMANY SPAIN ITALY BRAZIL AUSTRALIA
Number of large
2,955 18,311 3,026 9,000 3,000 4,000 3,944
merchants
Number of small
2.2m 3.7m 1.3m 1.5m 2.4m 3.6m 5.7m 1.6m
merchants
Worldwide 400m Smartphones forecast to be shipped in 2014
BlackBerry, Android, and Apple taking 65% share.
UK - 875m cheques processed in 2009
UK - Cheque guarantee ceases 30th June 2011
UK - Alternatives in place by 2014
UK - Cheques withdrawn 2018
CardEase Mobile from: www.cardeasemobile.com
Smartphones
• Highly featured high power processing platform
• Sophisticated communications management
• Open and accessible to developers
• Millions of smartphones shipping
• Complementary to existing PoS terminals
• Fantastic opportunities for integrators and developers with
market-specific knowledge of workforce mobility requirements
CardEase Mobile from: www.cardeasemobile.com
CardEase Mobile
• Turns a smartphone into a go-anywhere wireless payment terminal
with full Chip and PIN capability.
• A simple payment app that can be used standalone or integrated with
other vertical market apps to take payment.
• Supports Chip and PIN, magstripe and CNP transactions.
• Works in conjunction with the specially developed Thyron PosMate
PIN Pad with EMV L1, EMV Level 2 certification, Common criteria, Bank
Acquirer Testing Approval Certificates.
CardEase Mobile from: www.cardeasemobile.com
PoS Application
User Defined
Applications
API
EMV Kernel
End to End Encryption
Communications
CardEase Mobile from: www.cardeasemobile.com
The CardEase Network
Bank “A”
Bank “B”
CreditCall
Servers
PCI DSS Level 1
Certified Bank “C”
Bank “D”
Transaction types:-
• Card Present – Chip & PIN
• Card Not Present
Real Time visibility of transaction status via WebMIS
WebMIS built on a SOAP interface
CardEase Mobile from: www.cardeasemobile.com
The major change:-
“Card Payment moves from the Point of Sale
to the Point of Interaction”
CardEase Mobile from: www.cardeasemobile.com
The CardEase Mobile kit CardEase Mobile from: www.cardeasemobile.com
Plus optional peripherals CardEase Mobile from: www.cardeasemobile.com
An idea of a future Mobile PoS CardEase Mobile from: www.cardeasemobile.com
CardEase Mobile from: www.cardeasemobile.com
Other examples…
• Service Industries and Trades
– Secure on the spot payments
– No waiting for cheques – improved cashflow
CardEase Mobile from: www.cardeasemobile.com• Retail
– Queue-busting device
– Trade shows, fairs and exhibitions
– Party planners and slimming clubs
CardEase Mobile from: www.cardeasemobile.com• Logistics
– Home delivery networks
– Payments for additional shipping charges
– Geo location information as part of the transaction
CardEase Mobile from: www.cardeasemobile.comSpecialist Integrators are the Creative Force
• Comprehensive real-time reporting
• Integration with 3rd party apps through an API
• Advanced retail – provides a “payment engine” for other apps running on
the smartphone:
– Train ticketing – Bailiffs
– Restaurant ordering – Catalogue showrooms
– Hospitality – etc. etc.
CardEase Mobile from: www.cardeasemobile.comSummary
Better pre and post-transaction experience than traditional
PoS terminals
• Real-time transaction information available on the smartphone
• Account history – check on a customer’s details prior to the sale
• Access to stock inventory, ticketing information, route planning
data etc.
• Enhanced peripheral support – barcode scanners, printers,
biometric identification
“Driven by the Market Specialists with opportunities in all sizes of
company”
CardEase Mobile from: www.cardeasemobile.comWho provides what
CreditCall provides:
• An API for the smartphone (BlackBerry, Apple, Android)
• A point of sale application pre-certified with major banks
• Access to a certified PIN Pad
• Web-based merchant sign-up to live system
• Access to the CreditCall test platform
• WebMIS log-in and access to transaction status and reports
• Chargeable access to the ultra-reliable CreditCall PSP service
• SOAP interface for direct access to transaction status
• Industry-leading technical support, via email
CardEase Mobile from: www.cardeasemobile.comWho provides what
App developer provides:
• Industry-specific application software
• Links to CardEase Mobile payment app from other apps
• End-user customer support
• Main interface to the customer
CardEase Mobile from: www.cardeasemobile.comAdditional Information
www.cardeasemobile.com
mobile@creditcall.com
Freephone 0800 138 0200
CardEase Mobile from: www.cardeasemobile.comQuestions… CardEase Mobile from: www.cardeasemobile.com
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