Changing Hospitality with Streamlined Data and Payment Processing / Webinar

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Allen Friedman

Vice President, Payment

Solutions

Ingenico Group, NA

Christian McMahon

Director of Product

Management

Company

Motti Tadmor

Director of

Engineering

StayNTouch

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Webinar Agenda (5 Key Take-aways)

● The challenges the hospitality industry is facing in regards to data and

payment security

● How cloud solutions allow hotels to avoid liability risks by utilizing

integrations

● Why it's beneficial to be able to bring payments to the consumer through

mobility (makes the process more transparent and gives guests more control

with transactions)

● The importance of a multi-layered security approach to securing guest card

data (EMV, P2PE and Tokenization)

● Choosing the right technology for your property

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Audience Poll #1

Does your hotel deploy a multi-layered security approach to secure guest card data?

A. Yes

B. Somewhat

C. No

D. I’m not sure

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The Challenges the Hotel Industry is Facing in Regards to Data and

Payment Security

● [Christian] Payment Data Security in the hospitality industry has become immensely complex. Technology, PCI and Card Brand rule changes, and new system threats and vulnerabilities that are constantly evolving make choosing the right security strategy challenging.

● [Allen] Payment security, speed and efficiency are imperative to ensuring enhanced guest experiences. However, taking the card away to process payment is not secure, fast or efficient. Bringing payment to the consumer will offer guests these things and more.

● [Motti] - The challenges today for any industry, are mainly around organized crime rings with financial or espionage motives, looking to obtain data sets containing payment and client information. In addition, hoteliers are dealing with changing needs, such as card not present transactions, mobile payments, multi systems (not always owned by the same entity) and more.With the ever growing need for hotels to maintain their relationships with their guests and build trust to maintain their branding, this becomes a very difficult task, using older technologies and processes

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Cloud Solutions: Lifting The Burden off of Hotels

-Motti Tadmor

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How to lift the burden off

● Choose something that is not physically in the hotel and cannot be “grabbed” by someone

● Choose well known and proven solutions - choose what works

● Choose the solution that fits your own operation, don’t go over your head

● Choose what allows you to satisfy your clients while staying secured

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Choosing a solution

When choosing solutions for hotels ask yourself

● Staff involvement?

● Extra hardware?

● Security risks?

● Industry standard?

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Choosing a solution

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Signs for a good solution

The solution chosen will

● Use technologies to lift the burden off of your property - no special hardware needed in cloud

● Use secure methods to keep data safe

● Allow you to focus on the business while seamlessly taking care of operations

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Audience Poll #2

What percentage of regions outside of the US use pay-at-the-table solutions?

A. None, it’s a brand new conceptB. 25%C. 50%D. 75%E. 100%

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Mobility: Offering Guests Transparency and Control over

Payment Processes -Ingenico Group

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Traditional Hospitality Environment

What’s wrong with this process

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Pay-at-Location Offers Transparency

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Pay-at-Location Offers Transparency

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Pay-at-Location Improves Payment Processing

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Pay-at-Location Improves Payment Processing

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Choosing The Right Technology For Your Hotel

● Ingenico Group has a variety of seamless and secure payment options to help you bring the point of sale to the point of service

○ Wireless terminals○ mPOS terminals○ Bluetooth○ WiFi○ 3G

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Audience Poll #3

When it comes to front desk EMV chip vs. touchless Card on File check ins, is the

chargeback liability shift or the guest convenience/experience more important to

you?

A. Chargeback liability shift

B. Guest convenience/experience

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The importance of a multi-layered security

approach to securing guest card data

-Merchant Link

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Hotel System Complexity

• Most modern PMS have

many reservation interfaces

to accept bookings from

many channels

• Many hotels also have

restaurant, retail, and other

POS concepts on property

that feed data to the PMS

• Back Office processes and

systems are often

overlooked when

considering the PCI

remediation

• Deploying tokenization to

all interfaces can be

challenging due to cost and

partner limitations

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Other Security Technologies

•Mobile check in

•Virtual Credit Cards

•Alternate forms of Payment

•Biometrics

Payments Security in Lodging

Tokenization -> P2PE -> EMV

EMV

P2PE

Tokenization

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Card Present

• Chargeback and Liability Protections

• EMV Deployment Cost Impacts

Tokens

Liability Shift

Chargeback Protection

EMV

PrePayments

Card Not Present

• Fee/Interchange Impacts

• Chargeback and Liability Impacts

• Change in Guest Experience

• Change in Accounting Procedures

Card on FileGuest Facing

Chargebacks

Opposing Forces Rising

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validated

Encryption

Rules and Mandates

Device Choices

Customer Verification

Alternate Payments

Communications

Security

Check-in

Options

TransactionVault®, TransactionShield®, TransactionLink™, and BizPortal™ are trademarks of Merchant Link and/or its

affiliates. All other product and brand names are or may be trademarks of their respective owners.

Information Overload

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Choosing the Right Technology

● Finding the right solutions for Payment security in the hospitality

environment can be very difficult

● finding trusted advisors and people that you can consult with is the

most valuable path to success

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Questions

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Thank You

Please send any additional questions or comments to info@stayntouch.com

Webinar recording and presentation will be available to all attendees and non-attendees within 24 hours