MOBILE PAYMENT
INNOVATIVE SOLUTIONS
THE FUTURE
OF PAYMENT
MOBILE
PAYMENT
Wirecard is an end-to-end provider of
solutions and services for multifunctional,
mobile payment solutions: the bandwidth of
services ranges from classic and
contact-less cards and NFC stickers to real-time
provisioning of virtual cards in NFC-capable
smartphones. Wirecard is also setting new
trends with solutions in the mobile card
reader segment as well as virtual credit
cards and gift cards.
SOLUTIONS FOR MOBILE PAYMENTS
The Future is mobile
– Global Internet Device Sales
Tablets Smartphones Personal Computers (mio) 3,000 2,500 2,000 1,500 1,000 500 2000 2002 2004 2006 2008 2010 2012 2014 2016
In the next five to ten years, the smartphone will have replaced the traditional wallet and will integrate a series of payment functions in combi-nation with value-added services. Wirecard is a pioneer for these mobile payments developments and has
assumed a leading position in the European market. O2/Telefonica, Deutsche Telekom and SFR are just some of the customers that make use of Wirecard’s solution for mobile payment processing.
The strong increase in smartphone usage coupled with the growing distribution of NFC acceptance points forms the basis of the dynamic growth in the mobile payment segment. As a technical service provider, Wirecard is exceptionally well positioned to provide all the necessary processes. Wirecard offers all services – from the issue of cards and back-end
processes to the mobile app as white label-capable product concepts, securing partners the very highest degree of flexibility as well as decisive time-to-market benefits.
SETTING TRENDS: WIRECARD AS INTEGRAL
PART OF THE MOBILE EVOLUTION
Wirecard combines payment tech nology with bank services and sets mobile benchmarks by combination realtime payment handling, issuing processing, account management and customer service.
INTEGRATED MOBILE PAYMENTS:
THE WIRECARD PLATFORM
Financial Services Licence Scheme Licence Host Account Management Issuing Capabilities WIRECARDE-MONEY / BANKING LICENCE
MOBILE OPERATOR (or local partner bank)
WIRECARD ISSUING LICENCE
MOBILE OPERATOR (or local partner bank)
Registration KYC
Risk Management Card & Account
Management Top-up Processing MOBILE WALLET Transaction Processing Instant Issuing Card Production PIN Manage-ment Fraud Protection ISSUING PROCESSING SERVICES
Card Personalisation Card & PIN Mailing
SP-TSM Card schemes f Call Centre / Administration Interface f White Label Mobile Application f White Label Consumer Service Area
SOLUTIONS FOR MOBILE PAYMENTS
PAYMENT WITH MOBILE
MOBILE POINT OF SALE
PAYMENT ON MOBILE
Wirecard offers various solutions for smartphone-based payments.
The white label platform Accept enables credit card acceptance
via mobile card reader.
Mobilize payment, purchases, and banking – with our mobile
commerce solutions.
CREDIT CARD & REAL-TIME APP
One Wirecard solution in the mobile payment segment connects traditional credit card payment with a mobile app. The Wirecard concept guarantees a fully mobile user experience. From mobile product design to various mobile top-up methods up to fully integrated loyalty and couponing programmes. Wirecard stands for
real-time processes, fully tested user flows and the possibility to quickly and flexibly integrate the latest features and top-up methods.
PAYMENT WITH MOBILE
THE NFC STICKER
The NFC sticker is a further mobile payment concept offered by Wirecard. The NFC sticker contains all credit card data and is stuck to the back of the smartphone. Even smartphones not equipped with NFC technology can make Tap&Go payments this way.
Wirecard also offers stickers for various apps that offer additional functions such as shop searches, dealer search functions, P2P trans-actions, couponing and loyalty.
VALUE-ADDED SERVICES
Wirecard is setting new standards with personalised, i.e. user-account generated offers and coupons & loyalty programmes: Automatic, paperless and fully individualised offers provide consumers as well as merchants true added value. End consumers are made aware of relevant offers, see them in local shops or online and benefit from
automatic rewards such as cash paybacks and loyalty points. The system is fully integrated in the Wirecard payment back-end and offers new couponing dimensions that are directly connected to the transaction.
PAYMENT WITH MOBILE
MOBILE ALTERNATIVES
The acceptance of NFC solutions is not equally high in all markets, which is why Wirecard offers alternative, contactless payment procedures, such as barcode payment. With this procedure, transaction processes are triggered with the aid of a QR code. In addition, location-based payment variants are also supported. Here,
payment starts by checking in via the smartphone. The user is recognised by the merchant system via a profile image, the actual transaction then takes place in the background. The benefits of this variant: Quick, uncomplicated and very personal.
THE VIRTUAL INSTACARD
Wirecards virtual credit card is generated on the mobile end device, e.g. in an application. This secure and mobile payment solution for end consumers can be used for various payment procedures and is limited to a predefined time period. Various top-up models are possible. As a member of VISA, MasterCard and JCB and via the international bank
partner network, Wirecard has inter-national issuing options at its disposal and can offer companies from the telecommunication world a strong range of instant issuing.
For Wirecard, mobile payment is not merely an issuing service, but also sets decisive standards in acquiring. One such example is the white label plat form Accept, which enables merchants of all sizes and orientations to benefit from
credit card acceptance via mobile card reader and apps. Independent from traditional terminal solutions, Accept offers the flexible and safe acceptance of card payments via mobile devices. The hardware is equally as flexible as
CREDIT CARD ACCEPTANCE VIA
MOBILE CARD READER AND APP
CUSTOMER REFERENCE:
ORDERBIRD
The Berlin-based company orderbird AG reader is connected to the iOS device
MOBILE POINT OF SALE
the merchants’ specific business cases. Wirecard supports magstripe readers as well as Chip&Signature devices and Chip&Pin terminals. The white label program encompasses various solu-tions, including card acceptance with a wallet application and open interfaces for developers. The card readers are connected to smartphones or tablets and support the EMV standard as well as magnetic stripes for mobile pay-ments at the point of sale. The end customer confirms their payment by placing their signature on the touch-screen or by PIN. Wirecard Bank AG provides card acceptance for the SEPA zone. However, other acquiring banks around the world can also be integrated. The solution is suitable for all industry sectors.
PAYMENT ON MOBILE
Wirecard has realised an M-Commerce project for the customer myTaxi which enables a direct payment transaction between the driver and the customer. Such solutions are now possible since smartphones can provide geographical directions to users and conversely also locate a user’s exact position. This is the product of the continually increas-ing mobile data transfer volume, which at the same time generates an increas-ing demand for mobile data services and commerce applications.
Wirecard and myTaxi combine mobile payment transactions with the point-of-sale. Via GPS, the smartphone localises the passenger and connects him to an available myTaxi. Within seconds, the passenger sees which taxis are available in his proximity and can order the desired vehicle with a simple click. In order to use myTaxi, the customer downloads the myTaxi app to his smartphone and optionally regis-ters the payment data in the app. The
credit card data is accepted by the Wirecard payment page and is stored PCI-conform by the Wirecard Tokeniza-tion Service. If the customer has set up his payment data with Wirecard, all he has to do is confirm the price of the fare with his myTaxi PIN to make a payment. The payment module was launched in Germany in July 2012. The myTaxi application is currently available in 30 major German cities, Barcelona, Vienna and Zurich. USE and other European cities are to follow.
