Mobile Banking & Mobile Payment Services - TRPCtrpc.biz/wp-content/uploads/...PhilippeGerardAlcatel_Presentation.pdf · Mobile Banking & Mobile Payment Services January, 2008 Presenter

Mobile Banking & Mobile Payment Services

January, 2008

Presenter : Philippe GERARD,

Business Development Director.

[email protected]

mailto:[email protected]

2 | Convergent Payment | January 2008 All Rights Reserved Alcatel-Lucent 2008

Agenda

1. Introduction.

2. AlcatelLucent Approach and Value Proposition.

3. Convergent Payment Case Study.

4. Mobile Banking Propositions Going Forward.

5. Key Takeaways.


Introduction


A View of the Market : Shifts create new business models.

Technology Shifts

Anywhere, Any Network.Channels andDistribution

Shifts

Market Shifts

Next Generation Business Models

Business Models

Source: Yankee Group &Alcatel-Lucent Research, 2007


A View of the Market : How about the Consumers

I want

- Faster- Better- Cheaper- Easier - Secure- Guaranties- Service

!


A View of the Market : Mobile Payment Trends

Means such SMS and Credit Card for online transaction are widely accepted.

Credit Exchange between Users is becoming mature in APAC.

M-Commerce is following quickly.

This also bring an opportunity to aggregate those Multiple Channels

Self-Service Access


Alcatel-Lucent Convergent Payment

Approach and Value Proposition

All Rights Reserved Alcatel-Lucent 2007Alcatel-Lucent Convergent Payment - December, 2007

Alcatel-Lucent Convergent Payment Solution

Convergent Payment Solution

Real-time Rating, Charging and Billing

Market ServicesCircuit/Broadband/

VOIP, Content, IPTV, Video, VOD

Market Segment Unique Market

Segments Unique Offers

Payment Mean Real time, Prepaid,

Postpaid, Hybrid Accounts

Market Offers Residential, Enterprise, HomeZone, OfficeZone,

Dual Accounts,

Anywhere Network Wireline, Wireless, WiFi, WiMax, FMC,

NFC

Mobile Payment m-Commerce, Contact-

less NFC, Person to Person, Remote

Single Solution, Multiple Services, Multiple Offers, Multiple Networks - Simultaneously

http://www.solomio.com/index/1,1115,,00.html


Convergent Payment SuiteOffering Overview and Feature Highlights

Support multiple networks simultaneously GSM/GPRS, UMTS, HSDPA CDMA, EVDO/Rev A Broadband/xDSL WiFi, WiMAX Fixed, VoIP IMS

Real-time, Convergent Rating, Charging and Billing

Enhanced Packages(Platinum)

Enhanced Packages(Platinum)

Usage (Minutes)

Top-Ups (Prepaid)

Grocery Store Clubs(member discounts)

Coffee Shops(buy 7 get 8th free)

Frequent Flyer Miles(based on $ spent)

Visa Card

Highly flexible Prepaid/postpaid/hybrid Private/corporate accounts Mix and match

Discounts Promotions Loyalty programs Product catalog

Affinity marketing Home/office zone Parent/enterprise controls Community offerings Personalization Online/offline charging

Support multiple applications simultaneously Fixed/mobile convergence Instant messaging/SMS/MMS Voice/data IP TV Quad play Mobile TV, video-on-demand Video telephony Web-services Context-aware content M-payment,M-commerce Multi-player gaming Music/ringtones PTT/PoC

http://www.couponcraze.com/coupons/starbucksstore/


Alcatel-Lucent Convergent Payment Solution

One platform (Prepaid/Postpaid)

One product catalog (commercial offers)

One customer database

One operation team

Smooth integration with Network EnvironmentsIntegration with IT elements

A Unique Payment Platform Open Payment Platform

Source: Infonetics Research- March 2006

As networks evolves and IT systems evolve, overall integration becomes more complex and costly unless operators choose an E2E and Open Charging & Billing solution


Market Leadership

vistream

Deployed in nearly all international groups

More than 200 fixed/mobile networks with more than 300 million subscribers

Complete end-to-end rating & billing solution

Small network capacity to large network capacity

Large Installed Base & Proven Solution

http://images.google.fr/imgres?imgurl=http://www.swains.co.uk/images/product%2520pics/channel%2520dist/orange/orange-LOGO.gif&imgrefurl=http://www.swains.co.uk/channel_dist.htm&h=160&w=160&sz=3&tbnid=uDcVAgt_NpUJ:&tbnh=92&tbnw=92&hl=fr&start=5&prev=/images%3Fq%3DOrange%2Blogo%26svnum%3D10%26hl%3Dfr%26lr%3Dhttp://www.bell.ca/shop/application/commercewf?origin=noorigin.jsp&event=link(home)


Convergent Payment

Case Study


A Case Study The Problems

.

NFM.

.

G2000Platform

(new config)

Oldprepaid IVR

LucentMediationGateway

92

35 - Pre-activate subscriber36 - Disconnect subscriber

LMG1(Near

real-time)

LMG3

LMG2

StandaloneRCMS v3.1

65

55Bulk PromoAssignment

56Bulk

Correction

BIS

EricssonMMSC

SEMASMSC

NorteleGGSN

EricssonMSC

EricssonVoice Mail

MMSDiameter

9

14

13

INAP CS1(ME)

108

105

102

100

XLARGE2

Unload AMACDR / EDR

(BIS Legacy)Snapshot

5

Voucher dataUnload

ETL

NewReports

CCS

Customercare

appliclication

CORBA

Logica RCMSapi

MOSA

LDAP

LDAP

76

INAP(ME)

VodafoneHLR

VF DCCADiameter

MAP(SRI)

97

3PB

ERx(content rating)

79

155

78

156

154

Premium RateApplication

FNR / STP(SRI)

MAPMAP

98

101

MAP

XML

XML

AvayaACD

AvayaCTI 107

113

110109

PSP-SAPOut

INAPCS1

Tariff ToolGUI

BulkInterface

58

51

WMSIZI Logistics

IZI QueueManager

44

31

27

64

NPTM BRL

ISAAC

46

48

47

First callFile

2

Provisioningoutput File

45

BGW

TeMIP72

73

Perseus

25Postpaid GPRS CDR

CSR

FinanceBilling

40

50 Voucher Batch(de-) activation

Distribution

USSD callbackservice logic

USSDNotifications

41

43

Production andDistribution partners

49 Distributedbatches and packs

42

17

Static custdata Backup

15

ConversantCustomer care

IVR

61

Backuploader

71b

71a

Contentservices

Email

Streaming

InstantMessaging

80

81

82

83

XMLSOAP

77

103Voucher

Activation

Retailers

User

104

Home and OutboundUser

20

2122

Home andOutboundUser

93

94

95

96

106

(BIS Legacy)Adjustments

FTPCDR / EDR

SNMP

SNMP

76

16

Dyn. cust.data Backup

SMPPSMPP 11 LMG5

FTP AMACDR / EDR

62

FTPCDR / EDR

Subscriptionmanagement

SMSCProxySMPP 12

LMG6PSP-SAPIn

FTP AMACDR / EDR

18

PostpaidGPRS CDR

26Nortel

GGSN CDR

INAPCS1

StandaloneRCMS

GUI-Appl.v3.1

38

52CSR VoucherManagent

FTP AMACDR / EDR

USSD

(BIS Legacy)CDR / EDR

NortelGGSN CDR

(ATM and)E-voucher

Prepaid MMS&GPRS CDR

INSS

PSP-SAPOut

23

MMSCharging

GPRSCharging

INSSINSS API INSS API75

Pelican

74

68

70

PSA PSP-SAPIn19

87

60

63

NMC

New USSDselfcare

VF DCCADiameter

LDAP

114

ETLExistingReports

122123

124

(Lucent raw)CDR/EDR

115

33

119

RCMS api

126

ISUP

ISUP

129

GeneralLedger

CC IZI

Tariff ToolApplication

LDAP

CAMEL

CAMEL

130

HLR bar/unbarfile

131

CORBA/XML

132

Third partyContent provider

134

New Prepaid IVR

SNMP

135

HLR 136

CORBA

Provisioning

In-memoryMigration DB-1

PPAS

137

LION

LDAP

138Logica RCMSDatabase link

137

ExistingReports

Cupido ETLEnhancedExistingReports 120 IMEI

32 IMEI

139

140

Finance ControlMarketing PM

Marketing CRM

141Prepaidproducts

LMG4 LDAPMMSDIAMETER142143

BulkProv. file

BulkProv.File 139

Bulkprov. file

DatabaseLink

141

DatabaseLink

DatabaseLink

ChargeRouting

SOAPProxy

MigrationMenu

CustomerMigtation status

BulkProv. file

BulkProv. file

145

146

RevenueAssurance

CRM

PostpaidIVR Menu

SNMP

N&SMLoggings

147

148

OpenView?

WSM(E2E service

Mngmt)

Old USSDselfcare

Transactionrouting

Old PPRTU

New PPRTU

Old Rabo/Giro

New Rabo/Giro

152

153

Old 3PB

New 3PB

Old OLS

149

OVO - SPI

OVO- SPI

150

153

Old EO

New EO

RegistrationDesk

LION(IZI zoek)

Rabo/GiroSystem

Browser(OLS)

91

CTRUS(PPRTU)

84

88

157

2nd line support158

159

161

160

ProductMarketing

CustomerServices

Full VoucherManagement

Account info

Replenishment

Usage query

N&SMLoggings

DOLCA MMSDiameter T1

SMSDiameter T1

162 (T1)

163 (T1)SMS Diameter

164 (T1)

121

CORBA

CORBA

37 - Change MSISDN

OracleMigration DB-2

165

144

142

CCMS166

Reconciliation tool

EricssonMML

167MM7

OldPPRTU menu

PPRTU menu

Voucheracttivation IVR

104

104

104

Prepaid Retail

Prepaid Wholesale (B-2-B)

Postpaid Retail

Postpaid Wholesale (B-2-B)

Data Billing

Application(s) Rating

Launch a new service- how fast ?!

A project management nightmare !!!

Voucher Mgt

%


A Case Study The Solution

Fixed, Broadband Wireless

Combine Rating, Community, Promotions, Products to

support individual segments

CRM

OSS/BSS

ERP

APIs to integrate with critical business system

s

Convergent Payment Solution

Drag and drop creation of offers

Seamless Integration

Converged

Results:

Lower TCO with fewer moving parts

Speed Time To Market simplified maintenance

Unified care and sales through a single system

Convergent products were made available to all customers

Up-sell services within the subscriber base without requiring complex IT work

360 degree view of the subscriber to enable the best possible service and customer care


Alcatel-Lucent Services : your Integration Partner

Design

Network, services and OSS/BSS architecture, process design

Detailed specification, design and test plans

Maintain & Operate

Remote technical assistance, repair, spare parts management, field maintenance, partial or total network operations management

Integrate

Test specification and execution

In-lab testing and validation

Consult

Business consultancy, business case development

Network audits, security audits, strategic architectures

Deploy

Project management, engineering, configuration, site surveys, installation, commissioning, acceptance testing, migration

Network complexities can require resources that may already be maximized supporting ongoing business operations

Alcatel-Lucent Services Team has the expertise and experience with complex network integrations to ensure a smooth transformation

Experienced Resource In Network Transformation

Alcatel-Lucent Mobile Banking Propositions Going Forward.


Stored Value Accounts (SVA) Concept.

Payment

Store Value Account Refill

Loyalty Reward

Embedded Self Care Application

Provisioning & User Management

User Profiles & Commercial Offers

Leveraging Prepaid/Postpaid Operational Requirements to Mobile-Banking & Mobile Payment


Combining Mobile Banking & Mobile Payment services

Store value account (E-wallet)

Cash-in / Cash-out in outletsBill Payment Recharge

Recharge SVA with a cash, Bank transfer, Credit card, P2P, E-voucher or a scratch card

Allow separation from Prepaid/Post-paid accounts

Peer-2-Peer Money Transfer

P2P money Transfer between 2 E-walletsBased on USSD, Web, IVR, Chargeable with rating rules on both e wallets

Support purchase of goods and services at merchantsSupport Settlements and Cash-out


Multiple End-User OptionsFor Personalized Utilization

Features :

Instant Notification

User Self-care Services

Consultation and History

Technology :

Support of New Technology and Devices

Any Means : WAP, WEB, SMS, USSD, IVR, NFC,


Key Takeaways

Real-time:Stored Value Accounts, P2P TransactionsPersonalized

Banking Ease of use through choice of transaction managementSelf care/account managementLeap frog access to e-banking

Maximum flexibility:Support hyper-market segmentation of subscribersExtend market partners to merchants, financial Application institutionsReduced churn, increase loyaltyIncrease usage of adjacent services

Single solution:Natural extension of prepaid/postpaidOpen APIs to financial institutionsExtensiblePositive impact on social, economic growthEnhancement of safety, security and efficiency all-in-one


www.alcatel-lucent.com

Mobile Banking & Mobile Payment ServicesAgendaA View of the Market : Shifts create new business models.A View of the Market : How about the ConsumersA View of the Market : Mobile Payment TrendsAlcatel-Lucent Convergent Payment SolutionConvergent Payment Suite Offering Overview and Feature HighlightsAlcatel-Lucent Convergent Payment SolutionMarket LeadershipA Case Study The ProblemsA Case Study The SolutionAlcatel-Lucent Services : your Integration PartnerStored Value Accounts (SVA) Concept.Combining Mobile Banking & Mobile Payment servicesMultiple End-User OptionsFor Personalized UtilizationKey Takeaways

Documents

Mobile Banking & Mobile Payment Services - TRPCtrpc.biz/wp-content/uploads/...PhilippeGerardAlcatel_Presentation.pdf · Mobile Banking & Mobile Payment Services January, 2008 Presenter