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1For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities.
Visa’s Future of Payments Update on recent activities
May 2012
1
McDonalds hits 1m contactless transactions in first 6 months of acceptanceNovember 2011
Visa Personal Payments & Visa Alerts launchOctober 2011
Handset certificationJanuary 2012
London buses
April 2012
Samsung Olympic NFC PhoneApril 2012
Digital wallet service launch
Monitise strategic investmentOctober 2011
A series of phased releases is delivering these products into the market today…
2012 will be a key year and Visa is well positioned
Emergence of Large Commercial
Rollouts
Rapid Contactless Adoption
2012 Olympics - Showcase
Significant Availability of NFC Handsets
●
Google Wallet European launch scheduled for 2012●
Multiple MNOs and Joint Ventures planning 2012 launch of mobile wallets/payments
●
Significant bank-MNO partnership programmes
●
Visa is a worldwide partner of the London 2012 Olympic and Paralympic Games
●
Samsung-Visa partnership●
Olympic park & venues to be used as showcase for mobile & contactless
●
Significant merchant rollouts expected in key markets (UK, Poland, Turkey)
●
Other markets (e.g. France, Spain, etc) committed to large scale contactless acceptance development in 2012
●
Visa approval of 6 handsets…more to come●
Nokia/RIM – “…all new smartphones from 2011 will come with NFC…”
●
Announcements of NFC support – Google (Android), Microsoft (Windows 8), Samsung, HTC and others
Further Product Developments
●
Further launches/developments of Visa Alerts and Visa Personal Payments
●
Commercial availability of Mobile Contactless payments
Visa & Vodafone Strategic Alliance announcement
Visa & Samsung partnership
VISA AND SAMSUNG REVEAL MOBILE PAYMENTS APPLICATION FOR THE LONDON 2012 OLYMPIC AND PARALYMPIC GAMES
Latest step forward in bringing mobile payments to London 2012 Olympic Games
LONDON, 24th February 2012 – Visa and Samsung today revealed the official mobile payments application of the Olympic and Paralympic Games. Samsung and Visa will debut the mobile payment application at Mobile World Congress, Barcelona, Spain from February 27th to March 1st. The application will be demonstrated at Visa stand (Hall 1, Stand 1B19) and Samsung stand (Hall 8, Stand 8B169). This marks the first step to realising the partnership between the two Olympic and Paralympic Games sponsors to bring mobile contactless payments to London as part of their support of the London 2012 Olympic Games.
The application is based on Visa’s payWave technology that enables contactless payments at the Point of Sale. To make payments, customers simply hold the phone in front of a contactless reader at the point of purchase. Purchases above 15 pounds require a passcode. The application also lets customers check their transaction history and view their up to date account balance. Backed by the multi-layered security and reliability of Visa’s processing platform, mobile contactless payments are protected by the same standard terms and conditions that apply to Visa cards.
Visa Certified Handsets
Visa Certified Smartphones for Use as Visa Mobile Payment Devices
– LG Optimus NET NFC
– BlackBerry Bold 9900 – BlackBerry Bold 9790
– BlackBerry Curve 9360 – BlackBerry Curve 9380
– Samsung Galaxy SII
Visa payWave
Passcode is the winning CVM for mobile
Online PIN
applicable only for contactless higher-value paymentsPasscode
same Passcode for many use cases
P2P
Card details
DPA
Top-upBalance enquiry
Loyalty
m- commerce
Automatic/Manual modes are supported
For HVP in manual mode customers need to insert passcode
first and online PIN later
Security settings
Markets with online PIN implementation for mobile cards (Spain, Turkey)
Passcode supported on all HVP POS terminals in Europe
Market with only offline POS terminals (e.g. UK, France, Ireland, Finland)
Dynamic CVV2
Alerts
Inconsistent and confusing authentication experience for customers with online PIN implementation
Customer experience is chaotic
All customers are required to verify themselves with Passcode
Passcode is the most implemented CVM for Visa mobile cards
IcelandIceland
UKUK
IrelandIreland
GermanyGermany
FinlandFinland
SwedenSweden
FranceFrance
AustriaAustria
PolandPoland
Hungary
LithuaniaLithuania
EstoniaEstonia
LatviaLatvia
ItalyItalySpainSpain
PortugalPortugal
TurkeyTurkeyGreeceGreece
RomaniaRomania
LuxembourgLuxembourg
NetherlandsNetherlandsBelgium
BulgariaBulgaria
Cyprus
Israel
Slovenia
Denmark
NorwayNorway
SlovakiaSlovakiaCzech RepCzech Rep
SwitzerlandSwitzerland
Implementation with online PIN + passcode as CVM
Implementation with only passcode as CVM
Visa: A Global Leader in Mobile Payments
11For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities.
Visa payWave for Mobile Case Studies
A project by:A project by:
Collaborating:Collaborating:
1,500 customers1,500 customers 500 retailers500 retailers May to November 2010May to November 2010
“la Caixa” Visa cards in Sitges
Bank: La CaixaBank: La Caixa MNO: TelefonicaMNO: Telefonica SE: SIM CentricSE: SIM Centric
Top Retailers
for
Purchases
#1
Supermarket chain
#2
Cafe in the centre of Sitges
#3
Stand at Sitges
municipal
market
70%
of customers give a score of 8 points
or higher
90%
would continue
to use it
A project by:A project by:
1,000 customers1,000 customers 61K retailers61K retailers Launched
April 2011Launched
April 2011
Yapı
Kredi Visa cards on iPhones
Bank: Yapı
KrediBank: Yapı
Kredi MNO: TurkcellMNO: Turkcell SE: icarteSE: icarte
A project by:A project by:
500 customers500 customers 61K retailers61K retailers Launched
Jan
2011Launched
Jan
2011
Akbank Visa cards on micro-SDs
Bank: AkbankBank: Akbank MNO: ‐MNO: ‐ SE: micro‐SDSE: micro‐SD