• DAY 1
2nd NFC & International Micropayments Forum
24 June 2008,
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8.15 |
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Arrivals and refreshments |
INTRODUCTION |
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Welcome and Introduction |
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9.00 9.10 |
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Welcome and Opening Remarks Background to the GBDe International Micropayments Issues Group, led by Chunghwa Telecom, forum objectives and definitions of micropayments used in this forum. Dr. Shyue-Ching Lu, President, Chunghwa Telecom Introduction An introduction to the forum sessions and organisations presenting viewpoints on NFC development. Greg Pote, Chairman, |
SESSION 1 |
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NFC Service Requirements: Use Case Issues |
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9.20 |
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Objective: to explore end-user requirements for use case scenarios Payment Services ● What type of mobile NFC-enabled payment applications and services do banks & merchants consider are most likely to achieve wide scale adoption? ● [NFC handset + USIM] or [NFC handset + SD] - what configuration of Secure Element do payment service providers consider best meets the requirements of end-users? ● Will the characteristics of different mobile markets (postpaid, prepaid, etc.) and their mobile subscribers (churn, SIM replacement, etc.) across Non-Payment Services ● Which non-payment NFC services (e.g. in advertising, leisure, IT, retail, automotive, utilities, health and government applications) hold the greatest business potential? ● Which of these non-payment NFC services appeal to MNOs, to banks, to merchants, to transport revenue collectors and others - and what might be the business models? ● What are the pros and cons of these different use case scenarios for mobile subscribers, payment application issuers, MNOs and other stakeholders? Viewpoint 1: Lim Boon Heong, Director, NFC Business Line [~20min] Inside Contactless Viewpoint 2: Prabhakar Tadepalli, Managing Director, Tyfone, Inc |
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10.00 |
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Refreshments |
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10.20 |
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Viewpoint 3: Patrick Henzen, Regional Marketing Manager, Identification [~20min] NXP Semiconductors Viewpoint 4: Naohiro Yoshikawa General Manager, IT and Finance Strategy Nomura Research Institute [~20min] Discussions: Forum Participants (all parties present in the forum) [~20min] |
SESSION 2 |
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NFC Service Provision Issues: Application Lifecycle Management |
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11.20 |
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Objective: to seek a feasible solution for NFC service provision that fits the lifecycle of NFC services and satisfies service providers NFC handset + USIM (OTA) solution Does the financial payments industry approve of this solution from commercial, security and regulatory perspectives? Which organisations would be qualified to be a TSM/TTP? ● Application personalisation and download by OTA ● Application initialization/personalisation by OTA ● Value reloading (topup) by OTA How does this compare with traditional payment card lifecycle management? Do TSM/TTPs need to be certified (by whom)? Will TSM/TTPs provide OTA services by region/area? Or be differentiated by applications? Are there any best practice user interfaces to set-up an NFC payment application on a mobile phone (OTA load, validation, PIN set-up etc)? NFC handset +SD (card issuance) solution What advantages/disadvantages does the financial payments industry see in this solution, from commercial, security and regulatory perspectives, compared with OTA solutions? ● Card personalisation & lifecycle management by existing card issuer legacy model ● Value reloading (topup) using legacy channels (gate, ATM, credit card account,..) How do the SD costs/benefits compare to USIM? How will the characteristics of different mobile markets (postpaid/prepaid) and their subscriber behaviour (churn, SIM replacement, etc.) across Viewpoint 1: Hu Hsueh Hai, Deputy Managing Director, Value-Added Services [~20min] Chunghwa Telecom. Mobile Subgroup Viewpoint 2: Nora Chen , Manager [~20min] Far EasTone Telecommunications Co., Ltd Viewpoint 3: Jerome Sion, Director , Mobile Communications [~20min] Gemalto North Discussions: Forum Participants (all parties present in the forum) [~20min] |
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12.40 |
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Lunch |
SESSION 3 |
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NFC Service Certification and Interoperability |
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2.00 |
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Objectives: 1. How to speed up the certification process of financial NFC services and reduce the cost? 2. To seek a feasible solution for interoperability between various NFC systems & applications, domestically and cross-border NFC service certification and interoperability issues The payment industry is evolving from contact to contactless technology, including NFC mobile payments. Testing and certification programmes for contactless and mobile NFC technologies will be essential to build trust in these new payment products. Trust – the building block Payment industry evolution – from contact to contactless - Testing/certification process – now and future - How to ensure trust in contactless/EMV – Do’s and Don’ts Viewpoint 1 : Rick Hsu, Managing Director [~20min] Collis Asia Viewpoint 2 : Andrew Smith, Regional Director [~20min] MasterCard Worldwide Scenarios where interoperability needs to be addressed Domestic case ● Same application but different service provider ● Same NFC system* but different application ● Different NFC system* and different application Cross-border case ● Same NFC system* and same kind of application ● Same NFC system* but different application ● Different NFC system but same kind of application Viewpoint 3: Dr Char-Shin Miou, Project Manager, Telecom Laboratories [~20min] Chunghwa Telecom Viewpoint 4 : Dr. Chao-Chia Huang, CEO [~20min] NeuCom Discussions: Forum Participants (all parties present in the forum) [~20min] * Where "NFC system" is an infrastructure based on proprietary security (Mifare/FeliCa) or an infrastructure based on open security (3DES, AES) |
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3.40 |
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Refreshments |
SESSION 4 |
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Business Models for NFC Mobile MicroPayments |
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4:00 |
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Objective: to seek a feasible business model for mobile NFC micropayment applications, with benefits for all stakeholders Micropayment issues to be explored Transportation e-ticketing applications ● Fees paid by MNO to transport revenue collector (TRC) to license e-ticketing application ● Fee paid by TRC to MNO for top-up services, promotions delivered to riders E-purse applications for micropayments ● Current transaction revenue share rules between card issuers, acquirers, networks ● Possible changes which benefit existing stakeholders, reduce costs/liabilities and improve service for customers by adding value and incentives Credit card applications for low-value payments ● Current transaction revenue share rules between card issuers, acquirers, networks ● Possible changes from new payment association approaches and rates aimed at targeting low value cash transactions Clearing and settling NFC cross-industry micropayment transactions ● Exploring development of a common clearing house for NFC cross-industry applications and transactions based on a feasible business model Viewpoint 1: Mark Chiu, Senior Vice President, Credit Card Division [~20min] Taishin International Bank Viewpoint 2: Mr, Khair Ul-Anwar Mohd Yusoff,General Manager, Business Development Touch 'n Go Sdn Bhd , [~20min] Viewpoint 3: Mr. Naohisa Ichihara, NTT Data Corporation Discussions: Forum Participants (all parties present in the forum) [~20min] |
CLOSE |
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Final Remarks |
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5.20 |
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Closing Remarks from Greg Pote, Chairman, Dr. Liang, President, Chunghwa Telecom Laboratory |
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5.30 |
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Close of Forum |