Mobile Remote Payments General Guidelines for Ecosystems

1. MobileRemotePayments General Guidelines for Ecosystems Jonathan Bye Chair (RBS) Jonatan Evald Buus Co-Chair (CellPoint Mobile) Olivier Dennis Co-Chair (SWIFT)

2. Why this white paper?

3. Remote Mobile Payment example Casillas from Spain gives Fernandes from Switzerland €1 1 0

4. Summary of key findings

5. Mobile remote payments ecosystem

6. Three operating models 6

7. 1. Messaging Sender’s Sender Receiver’s Receiver 2. Payment 2. Payment Facilitation Facilitation Payment Payment Payment Payment Sender Sender Provider Provider Provider Provider Receiver Receiver Directory database that links Mobile Identifiers (MIDs) with financial accounts such as bank, card, or SVA accounts Directory managed and maintained database that links Mobile Identifiers (MID) with financial accounts such as bank, card, or SVA accounts 3. Funds 3. Funds Movement Movement Common infrastructure – centralised implementation scenario

8. 1. Messaging 1. Messaging 1. Messaging Payer Payer Payer ’ ’ ’ s s s Payee Payee Payee ’ ’ ’ s s s Payment Payment Payment Payment Payment Payment Payer Payer Payer Provider Provider Provider Provider Provider Provider Payee Payee Payee Payment Payment Payment Payment Payment Payment Provider Provider Provider Provider Provider Provider Specific Specific Specific Specific Specific Specific Directory * Directory * Directory * Directory * Directory * Directory * 3. Funds 3. Funds 3. Funds Movement Movement Movement * Database that link Mobile Identifiers (MID) with financial accounts for the payment provider’s customers (maintained by the payment providers) ’ Common infrastructure – distributed implementation scenario Payment Switch A centrally managed and maintained switch based on directory linking Mobile Identifiers (MID) with Payment Provider details ONLY 2. Payment Facilitation

9. 1. Messaging 1. Messaging Standard formats Payer’s Payee’s 2. Payment Facilitation Payment Payment Payment Payment Payer Provider Provider Provider Provider Payee Centralised Directory A centrally managed and maintained database that links Mobile Identifiers (MID) with financial accounts such as bank, card, or SVA accounts 3. Funds 3. Funds Movement Movement Intermediary interoperability

10. Direct interoperability model Payment Request

11. Initial implementation 11

12. Future implementation 12

13. Questions? To download the paper please visit www.mobeyforum.org