行動支付創新之商業營運模 式發展趨勢 ??sc.com.tw 25 行動支付創新之商業營運模式發展趨勢〡本期企劃 行動支付創新之商業營運模 式發展趨勢

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www.fisc.com.tw 25 / 2014 10 Google (TNS) (Consumer Barometer) 80% 68% ( ) 1111 ( 11) 571 ( 95 )2013 362 58% (Black Friday) (Cyber Monday) 29 42.6% ( 243 ) 2013 20% 70% Apple Pay2014 10 2072 22 Apple Pay 500VISAMasterCard American Express Apple Pay (Token) ( ) ( ) ( ) 2014 9 NFC (Near Field Communication) 26 / No.81 / 2015.01 (Payment Tokenization) (First Annapolis Consulting) :( ) (Compliance) ( ) (Omnichannel) ( ) ( ) ( ) ( ) (Social Commerce)( ) Apple Watch Google Glass BPAY WristbandsMasterCard Nymi (Wearable) () www.fisc.com.tw 27( ) (Logistic) 6 1(Amazon) APP 3 ( NFCRFID Radio Frequency IDentification ) APPUSSD (Unstructured Supplementary Service Data ) 1 1www.customerthink.com Apple Pay (iPhoneiPadiWatch ) Touch ID Apple Pay APP (Apple Wallet Server) (Token Service Provider ) (Payment Token ) Apple Pay App ( )28 / No.81 / 2015.01Apple Pay PassKit (SESecure Element) APP (Tokenization ) ( ) Apple Pay 20143 EMVCo(EMVCo Tokenization Specification v1.0) EMV (Card-Present Transactions) (None-Card-Present Transactions) )Tokenization EMVEncryption 1 1EMV, Encryption, and Tokenization How EMV, Encryption, and Tokenization Protect TransactionsCard-Present Transactions Cord-Not-Present TransactionsProtects against: Using: Protects against: Using:EMVCounterfeit cards Card authentication Not applicable. Can be used with separate reader, but not widely deployed.Not applicableRe-using stolen data Dynamic dataLost/stolen cards (with PIN) Cardholder verification (PIN)EncryptionStealing data in transit P2PE or E2EE Stealing data in transitP2PE or E2EEStealing data at restRe-using stolenencrypted dataVarious methods of encryptionStealing data at restRe-using stolen encrypted dataVarious methodsof encryptionTokenizationStealing data in transitStealing data at restRe-using stolen dataSpecific-use or limited-usetoken replacement for payment card data31Stealing data in transitStealing data at restRe-using stolen dataSpecific-use or limited-use token replacement for payment card dataSmart Card Alliancewww.fisc.com.tw 29( ) 1. (PANPrimary Account Number) (Token Requestor ) ( EMVCo VISAMasterCardAmerican Express ) (Token Assurance (ID&V)) 2 2EMVCo Tokenization Specification v1.0 3EMVCo Tokenization Specification v1.02. EMVCo (Token Requestor ID) 3Token RequestorToken Servive ProviderToken Requestor ID Token Requestor Information Token Domain Restriction Controls Requested Assurance LevelCardholderPANTokenServiveProviderToken Servive API InterfaceExisting InteractionToken RequestorToken RequestToken Assurance (ID&V)IssuerTokenPresentment(Server) MerchantorDigital WalletLegend( ) ( ) ( ) / 430 / No.81 / 2015.01 4Smart Card Alliance 5EMVSmart Card AllianceNFC Smartphone Tokenized Credentials in Cloud Tokenized Credentials in SEMerchantTokenTokenAcquirer PaymentNetworksIssuer /ProcessorTokenServiveProvider(TSP)TSP InterfaceTokenize / DetokenizeToken PAN andToken Fields( ) 1. EMVCo (BIN Bank Identification Number)2. EMV EMVCo 5www.fisc.com.tw 31( ) EMVCo ( ) ( EC )QR-Code ISO8583 EMVCoEMV6 7 6EMVCo Tokenization Specification v1.032 / No.81 / 2015.01 7EMVgemalto NFC( ) VISAMasterCard American Express Apple Pay500( ) ( ) EMVCowww.fisc.com.tw 33 ( )() NFC (SE) GoogleAndroid Host-based Card Emulation ( HCE) Android KitKatHCE TSM HCE( ) ( ) ( ) Apple Pay TSM /34 / No.81 / 2015.01 /1. VISA (www.visa.com)2. MasterCard (www.mastercard.com)3. (www.apple.com)4. EMVCo (www.emvco.com)5. Wikipedia (en.wikipedia.org)6. www.customerthink.com7. www.gemalto.com8. First Annapolis Consulting, Inc. (www.firstannapolis.com)9. Android (http://developer.android.com/index.html)10. Smart Card Alliance (http://www.smartcardalliance.org)

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