Front Office Solutions - Level iP · wallet is identified using the mobile phone number or through QR/barcode scanning 2. Customer ... Email or SMS notification to confirm the payment

Front Office Solutions Payment solutions

Septembre 2013

2 Copyright © Prosodie Capgemini 2013. All Rights Reserved

Presentation Title | Date

Positioning



Prosodie Payment An innovative payment processor

Expertise

Technical Assets

Industrial infrastructure

State-of-the-art security

High performance & high availability

Flexibility & agility

Time-to-market

Off-the-shelf modules

Customized solutions

Innovation

Cloud based solutions

Pay-per-use model

Specifics Prepaid

Multichannel e-payments

Mobile payments

Multichannel e-subscription



Beyond payment …

Customer-centric services and uses

Anticipating new behaviors and

regulatory changes

Innovation as a differentiation

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Prepaid Services



An renown and rich offer to rise Prepaid business

Rich and innovative Prepaid services management solutions:

Usages : gift, incentive, meal, payroll, social benefits, cashless, multiservice cards

Open and closed-loop programs

Multi-format: plastic (magstripe, barcode, Chip&PIN, NFC), e-card, m-card

Value added services: end-user self-care, multichannel e-subscription

A unique acceptance and distribution solution:

EasyPrepaid

International and multi-language platform

An agile, comprehensive and industrial

offer

http://www.yves-rocher.fr/control/main

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Consumers

Internet

Gifting

Promotion & rewards

Wallets

Cashback

Customers

Payment

Insurance claims

Youth & unbanked

Multi-application cards

Cashless Citizens

Social benefits

Claims & emergency

Subvention

Transportation

Parking

Employees

Payroll

Travel expenses

Incentive & motivation

Fuel / Meal

Corporates

Retail

Financial

Institutions

Public Institutions

Innovation through uses & functionalities

Closed-loop & open-loop



A comprehensive offer

Closed-loop

A turn-key solution

Open-loop

Agile and easy-to-plug modules

An industrial “store value” platform

A comprehensive and rich solution

Multi-language, multi-currencies

Multichannel, multi products, multi-applications

Time-to-market oriented

Unique acceptance and activation module: EasyPrepaid



POS Software & real-time transactional interface enabling prepaid products

activation and acceptance

An acquiring switch to any

issuing processing

system

Gateways with majors

processors & issuers

For prepaid products providers, connection to EasyPrepaid provides access to a wide and technologically advanced retail distribution network.

Prepaid products distribution and close-loop cards acceptance

For retailers, deploying EasyPrepaid in their POS provides a gateway to prepaid product providers in a number of categories including :

Gift cards, Gift Boxes

Music, gaming ..

Reloadable debit cards

Transactions

Redemption

Balance inquiry

History

Reload

Cancelation

Activation

Ticketing

Vouchers

SWITCH

Issuing & Processing

platforms

Shops

E-commerce



Create your own prepaid corner

Available products through distributors :

Connected issuers :

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http://www.kadeos.fr/



BPCE Group

Manage 16M bank cards

6,5 billions transactions

Natixis customer case (BPCE group)

Open-loop and filtered-loop prepaid cards services :

Payroll

Incentive

Gift Cards for Shopping Mall

Multi-services contactless cards(payment & transportation)

European leader in prepaid services

management

Manage 30M prepaid accounts

Multichannel expertise

A comprehensive prepaid cards issuing and management platform proposed by NATIXIS

using PROSODIE platform and know-how



A contactless multi-service card combining transport and payment A co-branded prepaid card proposed by Caisse d’Epargne Bank

and Veolia Transport (Transdev) to simplify citizens lifes

Processing of contactless prepaid debit cards

(offline/online account management)

Multichannel cardholder self-care

A comprehensive prepaid services management

solution integrated to the bank issuing and

payment factory

1. A contactless transportation card, reloadable

on CITEVIA’s ecommerce site and on ticket

machines (self service or staff operated) and

on Caisse d’Epargne’s ATM, all over the city

of Reims

2. … combined with a prepaid contactless debit

card for a day-to-day use in the city.

3. No associated bank account needed for the

cardholder. His prepaid card is reloadable on

the internet.

4. Transportation information services and

incentives for the cardholder.

CITEVIA card



Processing of restricted-loop prepaid cards

Activation at POS through EasyPrepaid solution



solution integrated to the bank issuing and

payment factory

1. A VISA gift card accepted in every shops

inside Unibail-Rodamco’s malls

2. Distribution and real-time activation at

dedicated POS inside the mall, online

distribution on www.lacartecadeau.fr

3. An asset to encourage attendance and

customer loyalty

4. More than 220 000 cards issued

“Shopping et Sensation” gift card

A VISA prepaid gift card available in Unibail-Rodamco malls

http://www.lacartecadeau.fr/



Processing of filtered-loop prepaid cards

Activation at POS through EasyPrepaid solution



solution integrated to the bank issuing and payment

factory

1. A multi-brand gift card distributed in 3 000 Post

Office, 290 agencies of « Caisse d’Epargne »

bank and in FNAC retail network

2. Accepted over a +150 brands network

3. Two declinations : «Just for Kids» and « Maison

Déco & High-Tech »

Cadocarte gift card

A VISA private label multi-brand gift card accepted over a +150 brands network



Processing of filtered-loop prepaid cards


Enrollment through web interface : card contract

generation, KYC and supporting documents

control

1. A nominative prepaid VISA card , distributed in

local missions all over Auvergne country

2. Funded by “région Auvergne” public collectivity

under revenues conditions

3. Redeemable in a restricted partners network :

public transportation, health insurance,

scholarship expenses, student housing …

Social benefits : “carte Jeunes Nouveau Monde”

A social benefits card, issued by “région Auvergne” public collectivity, dedicated to scholarship holders students and young unemployed



Deployment of EasyPrepaid technology in

FNAC POS network

Processing of FNAC gift card program

Connection to prepaid products issuers and

resellers

150 shops

Leader of cultural goods and contents distribution

Prepaid programs and products :

Fnac gift card

Acceptance of several multi-brand gift cards (Kadeos, Illicado, Best…)

Music, games and cultural contents (iTunes, Canal+, Facebook, Zynga …)

Gift boxes activation (Smartbox, Wonderbox…)

FNAC customer case

Fnac chose Prosodie’s EasyPrepaid to develop its prepaid strategy, from its own gift card program to new prepaid products corners



LVMH Group

Leader in the sales of cosmetics and perfumery

products

At tte forefront of Digital Marketing

An international gift card program :

600+ POS

Multi language and multi-currencies: 300 POS in France, 100 in Italy, 100 in Spain, 90 in Poland, 20 in Portugal.

Next to come: Czech Republic, Turkey, Scandinavian countries…

Processing of Sephora gift card program

worldwide

Distribution and acceptance in Sephora

stores and e-commerce sites

Accompaniment and support for

international rollout

SEPHORA Gift Card

Sephora, brand and chain of cosmetics store, chose Prosodie in 2006 to developp its gift card program in France and worldwide



Innovation : mWallet



Mobile Prepaid : M-wallet Ex: Meal voucher NFC application

Merchants & Corporates

back-office

A user-friendly & secure mobile payment experience



Acquirer

Wallet

1 2

6

5

7

PSP e-Card

Issuer Scheme

Visa / MC

3 4

Bank’s Wallet Payment scenario

1. The customer chooses, at the PoS, to use his

wallet for payment (in-store or online). The

wallet is identified using the mobile phone

number or through QR/barcode scanning

2. Customer payment approval from the

customer via mobile (password entry)

3. Activation and top-up of the virtual prepaid

card associated to the wallet (with the exact

needed amount)

4. Issuing of the payment transaction towards the

merchant’s acquirer using the prepaid e-Card

5. Standard authorization routing via payment

scheme or via on-us system

6. Authorization delivery by the Prosodie Prepaid

system

7. Transaction routing towards the merchant’s

acquiring system & settlement



Online payment



Web

IVR

Call Centre

Mobile

• Main online purchase channel • Decrease abandon rate : 10 to 20%

abandon

Online Payment At the center of customer relationship

• Keep a personal link with customers and guide the purchase • The new booming channel

• The channel of new behaviors • Anytime - Anywhere



A global and multi-channel payment solution

Web

Mobile

Call centre / IVR

Alternatives and

local payment

methods

Multichannel Payment Front-end Back-Office

Acquirers connections

(+150 « worldwide »)



Customized dashboards and reporting

Analysis, activity follow-up, alerts

Chargebacks optimization

State-of-the-art features to grow the business…

Multichannel fluid and seamless payment experience

Web

IVR & call center with Call&Pay

Mobile (native Apps & multiscreen with Wope)

Advanced features: one-click, recurrent payment, ScantoBuy

PCI-compliancy on every channel: Web, mobile, and voice (IVR)

3D Secure

Powerful risk management module with +120 points of control: velocity, causality scoring, black- and whitelist…

Multi-currency, multi-language

Alternatives and local payment methods

Connected to +150 acquirers worldwide

Enhanced payment experience Risk management

International reach Advanced monitoring



Business Intelligence Platform

Transaction tracking

Business monitoring & analysis

Risk management

Chargeback management

Administration

An intuitive web-interface to drive your business



Regulation

Financial

impact

Reputation

Trust

Security in payments, a key issue

Payment Card Industry Data Security Standard



IVR/call center payment



Call & Pay At the convergence of Prosodie’s expertises

Customer

relationship

Payment Security



In one click, the call-center agent connects the customer to a secure vocal server (IVR)

Guided by the payment IVR service, the customer

enters his payment card details via the phone keypad

When the payment is completed, the agent can take back the communication

Email or SMS notification to confirm the payment

1

2

3

4

Call-center payment A simple customer payment experience



On ODIGO agent desktop : Payment process monitoring

Redirection to the secure

payment tunnel



Incoming call of the customer

Choice of payment through the menu

The customer enters his reference number

Guided by the payment IVR service, the customer

enters his payment card details via the phone keypad

Email or SMS notification to confirm the payment

1

2

3

4

5

Self-care payment IVR, A fast and automatic payment experience



Customization of the welcome message

Sound and music customization

• Context transmission mode

• Payment process time-out

• Number of retries

• Exit button

Options settings

Possibility to take back the communication

Payment confirmation by SMS or email

A personalized IVR service



M-commerce & Mobile payment



Some

m-Commerce

references

M-Commerce end-to-end solution



Multi-screen payment pages

Data card capture One-step payment



Use your mobile phone as a card reader

Capture process

starts using the

camera

Data card capture Payment experience

choice CVV entry

Innovative payment experience Scan to Buy feature



Customer cases



A tailor-made and secure IVR service

Payment transactions are secured and PCI-DSS

compliant

A back-end web-interface (BIP) to manage

transactions and chargebacks

Business Case Thello Call-center payment

1. The call-center agent informs the customer of

purchase details.

2. For payment, the customer is transferred to a

secured and personalized IVR payment server

3. The customer types his debit card data using

the keypad of the telephone and initiates the

payment transaction

4. Confirmation by email/SMS

5. The agent can take back the communication at

anytime for customer support.

A powerful Person-to-Person selling process incorporating the highest security

standards



An automatized and personalized IVR

Payment transactions are secured and PCI-DSS

compliant

A back-end web-interface (BIP) to manage

transactions and chargebacks

Business Case Crédit Municipal de Paris: Debt collection IVR Service

1. The customer types a reference number on the

IVR. The total amount of the transaction is then

announced.

2. He is transferred on a secured and

personalized IVR payment server

3. The customer types his debit card data using

the keypad of the telephone and initiates the

payment transaction

4. A confirmation of the transaction can be sent

by e-mail or SMS..

A value added services for CMP agents, who are doing pawnbroking.

An automatized option to secure collection payments.

www.prosodie.com

www.capgemini.com

About Prosodie-Capgemini

With more than 120,000 people in 40 countries, Capgemini is one of

the world's foremost providers of consulting, technology and

outsourcing services. The Group reported 2011 global revenues of

EUR 9.7 billion.

Together with its clients, Capgemini creates and delivers business

and technology solutions that fit their needs and drive the results

they want. A deeply multicultural organization, Capgemini has

developed its own way of working, the Collaborative Business

ExperienceTM, and draws on Rightshore ®, its worldwide delivery

model.

The information contained in this presentation is proprietary.

© 2013 Prosodie Capgemini. All rights reserved. Rightshore® is a trademark belonging to Capgemini.

Front Office Solutions - Level iP · wallet is identified using the mobile phone number or through QR/barcode scanning 2. Customer ... Email or SMS notification to confirm the payment

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