Mobile Commerce Solutions
Derrick Carpenter & Jimmy Scarborough
This presentation is provided as a courtesy and is to be used for general
information purposes only. Bank of America Merchant Services shall not be
responsible for any inaccurate or incomplete information. The matters contained
herein are subject to change. Individual circumstances may vary and procedures
may be amended or supplemented as appropriate. This is not intended to be a
complete listing of all applicable procedures. No information contained herein
alters any existing contractual obligations between Bank of America Merchant
Services and its clients.
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Hosted payments and capture
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Multiple payment support
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User enrollment
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Device authentication
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Site Box
– POS integration
– Active site awareness
– Pump controller
– Car Wash
– Receipt generation at POS
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Geo location
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Mobile receipt
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Payment processing for mobile and card
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Marketing and loyalty services
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C-store payments
Results
1. Open spec, applicable to any industry
2. Single MID using existing processing infrastructure to reduce system redundancy, simplify operations and reporting
3. Reduction in pump setup time by ~400% 4. Geo location and 2D barcodes at the pump
5. A flexible payment solution that can be used across petrol and other industries
ExxonMobil Solution Design
Partner Requirements
1. Scalable, reliable and secure payment
infrastructure combining mobile and traditional payments
2. Adaptive hardware, configurable to support
payment acceptance at the pump POS “above site” at store POS
3. Advanced messaging specifications to extend mobile acceptance, as well as loyalty and marketing services
4. User Experience that increases speed and service at POS
True collaboration between merchant,
vendors, and BAMS resulting in a new
Select Coupon Du rin g B ef or e Prerequisites Payment
Issuance Get App
Register & Add Account
Arrive at gas station
3
Pull up to pump
4
Launch the app
5
Geo location or QR code determines site and services
2
Select payment type or use default
9
Begin fueling
Pay at the pump user experience
Select coupon or loyalty redemption to apply
Brand engagement & additional services Select Grade Thanks for choosing Acme! Head inside for 50% off a 22oz Coke
A
ft
er
Finish and replace nozzle
11
Receive e-receipt in App or print
Select Grade
12
1
Select fuel grade
8 3 cents off per gallon 10 6 Please Select Fuel Grade on Pump! 7 Seconds Enter Pump # Loyalty
Receive loyalty points and coupons
13
Mobile Payment Transaction
Phone as Transaction Gateway – Direct to POSPayment Transaction
1. Display QR tag (static or dynamic) 2. Scan QR Tag (“check in”)
3. Select from enrolled payment cards 4. Submit transaction to be processed 5. Retrieve token associated w/ card token
6. Send tnx info to merchant POS (via site connector) 7. Send auth request to acquiring front-end
8. De-tokenize card
9. Check for OfferWise discount
10. Return auth response to merchant POS
11. Send txn result message to mobile app (via site connector and gateway)
Merchant POS System Mobile App Server Card Vault QR Code Mobile App QR Code Scanner Acquiring Front End (Auth) Initiate Mobile Tender Type Render dynamic QR tag Mobile Txn Gateway (“Virtual Terminal”) POS App Acquiring Back End (Settlement) OfferWise 2 3 9 Mobile Txn Gateway (“Virtual Reader”) Site Connector 5 6 7 Persistent connection to high volume of remote devices Tokenization Service TransArmor 8 10 7 11 Mobile Device Authentication 4 11 1 6 11
• Mobile Authorization Service
– QR code rendering and scanning service
– Secure account capture
– Payment hosting
– Mobile receipts
– Universal message spec (NFC, QR Code,
Bluetooth)
• Enrollment Vault Services
– Payment Card Registration & Validation
– Fraud evaluation
– Gift card management services
• Marketing Services
– Offers & Deals Publishing & Redemption
– Card linked offer & deals system
– Loyalty – Merchant and FI
Mobile Payment Services
• Virtual Account Provisioning
– Virtual Gift Card
– Payment Card provisioning (Visa, MC,
Amex, Discover, ACH, Private Label, Prepaid etc.)
• Site Services
– Product Catalogue
– Store Account Services
– Geo-location & Geo-fence services
• Security Services
– Tokenization services
– Device authentication
Mobile Wallet leverages host platforms across the entire BAMS portfolio
MOBILE WALLET
Point-of-sale payments Credit/debit/ check acceptance Check cashing International currency solutions Reporting Security and compliance Security TransArmor AVS/CVV Checks Device Authentication Gelocation Existing fraud detect services Terminals and point-of-sale solutions Terminals/ integrated POS systems/ peripherals Site Box Virtual terminals/ PC solutions Tablets and Mobile terminals Distribution and payment options Gift and incentive cards Merchant and network branded gift cards Corporate incentive cards Rebate cards Card production Pay cards and general purpose reloadable cards Payroll distribution services GPR cards Financial services network Healthcare and transportation spending cards Mobile commerce Mobile Checkout Authentication Offer enablement Mobile Gateway connectivity Loyalty Real-time rewards Prepaid rewards Incentive to action Marketing analyticsMultiple payment methods that focus on security, speed, and scale
Phone as the Payment Card
“At the POS”
Phone The Payment Gateway
“Direct to Payment Host”
1. Consumer opens app, and selects payment type from the wallet
2. Consumer presents tokenized QR Code to merchant POS
3. Code is scanned using an image reader and
transaction is sent to acquiring host for processing 4. Transaction is received, decrypted and processed 5. Transaction is settled with other transactions and
reported
1. Consumer opens app and selects payment type from the wallet
2. QR Code is presented at the POS (Displayed on terminal or fixed to the POS)
3. Merchants rings transaction and selects mobile as the tender type
4. User selects to pay and phone presents a scanner 5. User scans barcode
6. Payment is initiated.
7. Token is sent from mobile device to gateway and PAN is sent directly to acquiring host
8. Payment authorization is reconciled with POS and confirmation is sent to POS and consumer
The petro solution is an ecosystem setup to facilitate the strengths of member systems to provide the ultimate consumer experience and benefit. Offering mobile payments, loyalty and offers from multiple sources to add value to the transaction and thus strengthening customer retention.
Petro solution platform
BAMS provided components
(Memphis) Enrollment
Vault
BAMS Core Petro Component BAMS Optional Petro Component
Mobile Gateway benefits
Security
Reliability
Scalability
Flexibility
• Reduces scope of
PCI compliance and shifts liability away from merchant
• Reduces user fraud
• Payment and
mobile services share the same physical hosting environment
• Built upon existing
host platforms • Increased transaction speed and reduced transaction latency • Unparalleled capital investment in infrastructure to support growing payment capacity and mobile services
• Utilize payment and
marketing services that you need
• Access gateway
through RESTful API’s using C, Java
• Fast implementation leading to lower costs and development cycles • Supports any handset device
SecureCloud
SecureCloud is currently composed of 22 Banks in coordination with TCH (The Clearing House) who have co-designed a secure platform to store and tokenize payment credentials for use in mobile transactions.
Objective:
To create an open standard for the payments industry, designed to replace mobile-wallet users’ card and other account information in order to reduce fraud and combat data breaches
Merchant Solution Bank Solution
BAMS will integrate into SecureCloud to retrieve payment credentials upon checkout at the POS. BAMS will then detokenize the credentials and then
process through existing rails
Banks utilize a standard interface and payment solution that will allow their customers to utilize their mobile device
and bank issued card to make secure payments at participating merchants
Solution
Benefits Security Acceptance Lower interchange Universal Acceptance13
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