Mobile Connect. Deploying identity service across Asia · PDF fileMobile Connect. Deploying...
Transcript of Mobile Connect. Deploying identity service across Asia · PDF fileMobile Connect. Deploying...
Mobile Connect. Deploying identity service across AsiaThursday 29th June 2017
14:00-16:00
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Deploying identity services across Asia14:00 Welcome/ Introduction Marie Austenaa
VP and Head of Identity Business Development, GSMA
14.10 Keynote:
The strategic rationale for a ubiquitous digital identity solution alongside the digital
service industry.
Glenn Porter
Managing Director, GBG
14.30 The importance of collaboration for the benefit of consumers in launching digital
identity services.
Jef Ng
Strategic Partnerships and Alliances, Singtel
14.40 Migrating existing authentication services into a global identity solution, the
benefits to end users and industry at large.
Andy Kim
Director, SK Telecom
14.50 Delivering secure identity verification for money transfer services. Jaikishan Rajaraman, VP and Global Head of Technology, GSMA
on behalf of Mohsin Termezy
Group Head Product, Strategy & Innovation, TPS, Pakistan
15.00 Rolling out digital identity services across China. Mr. Kong Fansheng
General Manager, Capability Platform Business
China Mobile Internet Company
Xiaodi Wang
Chief Mobile Connect Architect
China Unicom
15.30 User perspectives – Mobile Connect now and in the future. Glenn Porter, Managing Director, GBG
Atreedev Banerjee, GM Global Ops and VP Products, Danal
Andy Kim, Director, SK Telecom
Thierry Barba, Director Ecosystem Development, Orange
Moderator: Janne Julita, Head of Commercial, GSMA
16.00 Close
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
1. Digital is everywhere – and mobile is everything;
more and more valuable services are turning digital
(and mobile)
2. Security in the digital world is not up the task;
must improve username / password and SMS OTP –
neither convenient nor secure
3. Major regulatory changes underway – based
around trust and consent; existing user data will
become useless unless explicit consent to be used
• China: Cyber security and privacy law
• Europe: eIDAS, PSD2, GDPR
• US: NIST recommendations
Major market trends are driving the need for secure digital identity
• 5bn mobile subscribers
globally, with Asia
representing 60%1
• Mobile identity industry is
estimated to be worth 87.9bn
by 20201.
• Security breaches have
increased 1.8% since 2016,
with an average cost of $141
per record stolen3.
• Businesses have lost up to
40% of their revenue in
customer churn due to
negative brand reputation4.
[1] GSMA Intelligence, 2017.
[2] 90% of all data has been created in the last 2 years. SOURCE: http://blogs.lse.ac.uk/businessreview/2016/01/19/the-economic-value-of-personal-data-for-online-platforms-firms-and-consumers/
[3] IBM Global Report – cost of data breaches. SOURCE: https://www.ibm.com/security/data-breach/
[4] http://blog.securitymetrics.com/2016/10/-how-much-does-a-data-breach-cost.html
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Customer centric
ID
Mobile
Content
Payments
Insurance
IP TV
Cloud
External enablement services
Operator strategies in digital identity
Verify your details
• SIM Applet
• USSD
• SMS
• App MNO
Authentication
Mobile Connect
request
Authentication
server
Identity
Gateway
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
• Simple, secure and convenient access to online services
• Combines the user’s unique mobile number and optional PIN to:
• Authenticate users online
• Authorise digital transactions and payments
• Verify identity
• Confirm attributes about user or device
• Strong positive user feedback on usefulness and user experience
resulting in significant take-up
• 3bn enabled users; 83m registered users; 25m active users
• 51 Operators in 29 markets
Mobile Connect makes everyday access to digital services
more convenient, private and secure
A mobile operator facilitated global digital identity solution
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Mobile Connect is a range of services supporting digital transactions
Helping users manage their identity across their digital footprint
Simple and globally
ubiquitous log-in
Authentication
Insights about the user, device or transaction
Attributes
Assertion of user identity
Identity
User authorisation of
SP requests
Authorisation
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Government
Banking
E-commerce
Parental Control
The value of Mobile Connect
Drives user loyalty and customer relevancy
Improves customer insights
Builds trust in digital services; protects user
privacy and reduces fraud
Retail
Travel & Hospitality
Unlocks new revenues and business models
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
• 82% of users satisfied (46%
very satisfied) (Orange Spain)
• 92% of active users perceive
Mobile Connect as a useful
solution (Orange Spain)
• 97% said that it worked well
and they would use it again (Turkcell)
• “Very fast” – better than
SMS OTP (India)
• 50% of all log-ins to self-care
portal via Mobile Connect (Turkcell)
• 10-12x transactions per month (Norway, Finland, Korea)
• 75% prefer Mobile Connect to
passwords (10%) (Orange Spain)
• Proven willingness to pay (Norway, Estonia, Finland)
• Privacy protection is important
for money-related services (India)
• Net promoter score +27% (Orange Spain)
• 3rd most important reason
to chose a mobile operator
– 88% (Telenor Norway)
Good user experience Found useful Promoted
Mobile Connect is attractive and relevant to end-users
“Why did Turkcell not
deploy it earlier?”
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Operators are scaling Mobile Connect
Default service Own servicesJoin global
industry solution
Promote to own
partners
Establish joint
market offer
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
Infrastructure deployment
• Investment decision
• Vendor management
• Platform deployment
Internal services and registered users
• User registration
• User awareness
• Internal service deployments
External services and active users
• Commercially ready service
• Sales & marketing to external SPs
• Campaigns to drive end-user take-up and usage
• Support and service delivery
GSMA Identity focus on external services and active users
2014-2016 (3bn enabled users)
2015-2017 (83m registered users)
2017-(target 100m active users)
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
MC Link hides supply side fragmentation and creates a ‘one-stop-shop’ for Mobile Connect – to be
sold by channel partners or other operators
GSMA establish a unified commercial offer with “MC Link”
Users
MC Link
MNO 1
MNO 2
MNO 3
Unified commercial
offer & support
CP 1
MNO 4
Serving MNOs MC Link SP Sales
SP 1
SP 2
SP 3
SPs
Copyright © 2017 GSMA. The Mobile Connect logo is a trade mark registered and owned by the GSMA.
• India – 6 largest MNOs launched; most important use case driving
active users is log-in to mPesa (Vodafone’s mobile wallet service)
• Taiwan – 5 operators’ My Number identity verification service (Mobile
Connect) is now available as part of Taipei Governments’ Smart City
and Payment Platform with payment authorisation services being
launched around Q3 2017
• Pakistan – 3 operators launched on internal services; registered
customers +80%
• Malaysia and Thailand – governments driving the deployment of
digital services
Mobile Connect in Asia
The way we transact is continuously evolving…
A rapid explosion of technology in ASIA
2016 saw mobile subscriptions at almost 4billion, with internet users up 15% in APAC
62% of Internet users in Indonesia use only a smartphone to connect, compared with 11% in the US and UK
32% of Malaysians made their latest purchase online, compared to 29% in the US
(Google Consumer Barometer).
Increased opportunities for fraud
Asian consumers express the highest lack of trust
in organisations abilities to prevent fraud
who they say they are
and that they’re located where they say they
are.
In an evolving ecosystem, what hasn’t changed is the need for trust…
I am
WHO I say I am
I am
LOCATEDwhere I say I am
Three pillars of authentication exist in in the digital ecosystem
CONVENIENCE SECURITY TRUST
Mobile connects the physical identity to a digital economy
Attribute
Biometric
Location
Payment
Insight
Mobile is enabling the digital ecosystem today
Customers use mobile to • Register, • Verify• Begin
transactingwithin 60 seconds
Mobile is enabling the digital ecosystem today
Mobile Connect places the customer in control. Begin the journey securely and with trust.
Mobile is enabling the digital ecosystem today
The phone:• Auto-captures
ID documents, • Validates their
authenticity • Prefills identity
information to save time
Mobile is enabling the digital ecosystem today
The camera takes a selfie which instantly matches the biometrics of the ID photograph detecting liveliness
Mobile is enabling the digital ecosystem today
The consumer consents to use GPRS and location data to detect their location
Mobile is enabling the digital ecosystem today
Automatically prefill accurate address information using GPRS, Geocodes and postal authority data.
Mobile is enabling the digital ecosystem today
Match all of these identity attributes against trusted data sources, including mobile network operator data
Mobile is enabling the digital ecosystem today
The customer is ready to transact securely.
A business can trust their identity without disrupting the experience.
What is the next step after this?
By 2020 there will be over 50 billion connected devices around the world.
Mobile has the power and information to fuel this modern ecosystem.
Identities can be protected, journeys improved and most importantly trust of the consumer maintained.
Validated identity improves the customer experience
Using location intelligence, biometrics, NFC and continuous authentication to prevent fraud & improve ATM experiences
42% of consumers in Southeast Asia were most concerned with ATM related fraud, 31% in China Markets.
Accurate location information enables delivery
YourMARKET.com
Order complete,
your items will be
delivered to your
location in 30minutes
We must collaborate to have a global standard for identity
To achieve a truly global ecosystem there needs to be collaboration and standardisation
Todays consumer ecosystem is global.
Identity needs to support thisTo achieve the three pillars, there needs to be collaboration and standardisation
Thank You – Glenn Porter
Collaborating for the benefit of consumersLive service deployment in Singapore
Jef Ng, Singtel
I was so looking forward to
the Singles Day Sales!
Added my item into my cart
but I
FORGOT MY PASSWORD
during checkout.
Failed to buy my desired
item!
Source: GSMA
Tedious Sign Up Experience
and
Complex Payment Process are
the 2 biggest pain points today
74%abandoned
86%dropout
$4tn lost
Simplify
sign up
Offer creation of user accounts to streamline return purchases, to reduce data entry for checkout and payment
Offer storage of payment credentials but employ strong 2 factor authentication mechanisms
Consumers do not want to
sign up for multiple
accounts with different
merchants
Objectives Today solutions Constraints
Simplify
payment
process
Offer Guest checkout option; minimal data entry required Data entries are still required
for every transaction even
with the same merchant
Merchants need to PCI-DSS
compliant
Risk of data breaches
Offer acceptance of online wallets (e.g MasterPass by MasterCard, V.Me by VISA)
Adoption not mainstream
yet
Today’s solutions tried to address these pain points but they are still not
there yet…
Source: GSMA
1…. but meanwhile, SEA eCommerce market is growing rapidly
SOURCE: Temasek, McKinsey, Government websites, Google
$1.0bn
$5.4bn
2015 2025
Singapore eCommerce
SG MNOs collaborates to offer Mobile Connect; addressing today’s
constraints and pursuing a common growth path
Singtel Starhub
M1
Nov 2016
Apr 2017
Nov 2017
Alliance formed among 3 MNOs
7 MOUs signed with leading service providers
Commercial launch
Icon made by Freepik from www.flaticon.com
United to co-develop use cases with consumers in mind
Unified platform; common API for ease of integration
Unprecedented access to the entire marketplace
United for Mobile Connect; Singapore set to benefit convenience and
security from a Single Username and Password
“The support by so many of Singapore’s top service providers, within the
short period of time since the solution was announced, is testament to the
incredible power and value of the Mobile Connect digital identity solution. We look forward to working with more service providers to deliver their
services conveniently and securely to their customers,”
Ms Karen Kooi, Chief Executive Officer, M1.
“This marks the first time the industry has come together to work on a
solution that brings convenience to both business owners and consumers.
Seamless, secure and convenient buying experiences are real currency in
our increasingly digital economy and we expect more businesses to jump on board and implement Mobile Connect,”
Mr Yuen Kuan Moon, Chief Executive Officer, Consumer Singapore,
Singtel.
"We are happy to receive strong support from companies that share our
vision of simplifying life using technology. As Singapore pushes ahead to
become a Smart Nation, we are jointly developing a digital identity
solution for businesses and consumers to enjoy greater convenience and
security in digital transactions. We believe the traditional norms of
managing multiple usernames and passwords will soon become history,"
Mr Tan Tong Hai, Chief Executive Officer, StarHub.
Singtel Starhub
M1
Icon made by Freepik from www.flaticon.com
Partnering with leading service providers to shape digital economy
Providing FOX fans with a quick and easy way to
start watching their favourite TV series, movies
and sports is an important part of meeting their
entertainment needs. We are continually looking
for ways to improve the experience we give
customers on FOX Network Group digital
platforms, so we are really excited to be a
launch partner in this innovative initiative,”
Rohit D’Silva, Executive Vice President,
Commercial, Asia Pacific and the Middle East,
FOX Network Group Asia.
“Mobile Connect makes it easier for consumers
to pay on their mobile devices by
authenticating, authorising or identifying
themselves securely with a single log-in solution
on our eNETS online payment gateway. The
enhanced security and convenience will
translate into higher online transactions for our
eNETS merchants. For NETS, this is one step
ahead in fostering greater seamless transactions
for online and mobile payments in the digital
world we are living in,”
Alvin Seck, Deputy Head of Business Services,
NETS.
“Since HungryGoWhere offers delivery and
takeaway services for our customers to order
and pay through mobile, the platform that offers
convenience of use and security becomes top
priority. Mobile Connect takes this to the next
level,”
Frank Young, Chief Executive Officer,
HungryGoWhere.
“SPH plans to enable Mobile Connect as an
alternative login option under its ‘mySPH’ login
system. With Mobile Connect, customers will be
able to log in quickly and conveniently to SPH’s
Mobile and Web services without the need to
remember their user name and password. This
simple yet secure authentication will greatly
enhance user experience,”
Julian Tan, Executive Vice President, Digital
Division, SPH.
“With the adoption of MobileConnect, Singtel
Dash can take seamless and secure log-ins to
the next level. We look forward to offering our
customers a seamless way to pay with their
mobile across retail, online and in-app
merchants. Such convenience will help
accelerate the adoption for mobile payments
and is a boon for the mobile payments industry.”
Miss Gan Siok Hoon, Vice President of
mCommerce at Singtel’s Consumer Singapore
Singapore
Mobile Connect &
T Auth. Solution
Dept./Date
Introduce
About SK Telecom
SK Telecom is providing T authentication services to MNO and over 26,000 service providers.
It provides the fastest and easiest interface and the know-how to the service providers.Convenience
Based on years of authentication and collaborative business experience,
SK Telecom will provide a stable platform that would construct a collaborative
system for MNO and Service Providers.
Cooperation
SK Telecom is South Korea’s largest telecommunications carrier,
providing 600 million authentications to 30 million users annually.
It has an extensive authentication experience in partnership with
public institutions and financial institutions such as banks and credit card companies.
Expertise
South Korea’s number 1
telecommunications provider
Subscriber :
Market share :
Sales Revenue :
About T-Authentication
AdultUnderage
Age
Authentication
Identity
Authentication
Ownership of device and
mobile phone number verification
Direct verification
without registration process
ID PWMember
ship
T auth. service that uses customer data owned by MNO
to authenticate the user’s age, identity,
and the ownership of mobile phone device
Not
Use
Not
Use
About T-Authentication
Brief introduction of the T-Authentication Service
Identity authentication application using mobile phone number that provides
easy, safe, and reliable services to end users and corporate customers.
Use case Log in, Sign-Up
Reset Password
Age Authentication
Log in PaymentUsed for authentication ofSamsung pay, Kakao pay, Naver pay etc.
Money Transfer Online banking
(e.g., transfer, loan
exchange)
Usage
technology Identity GateWayLoA 2, 3, 4
Biometrics Authentication
Korea
Status
Handling
62M Authentications
per Month
T Authentication
App Users 6.6M
26,847 partner
companies
*International mobile authenticaion standard
Process-T auth. App
여러 인증상황에서 동일한 인증 프로세스 제공
Log in(Sign-up)
Money Transfer
Payment
02. Authentication
procedure – Push notification
03. Authentication procedure - PIN
number or fingerprint input
04. Authentication completed01. Authentication request by
service provider
T Auth. supports authentication through the smartphone app
to ensure safer authentication.
Sign-Up
After you authenticate, Sign-Up is
complete.
Enter Email
Enter Password
Enter Password Again
I agree to the privacy policy
After you authenticate,
Sign-Up is complete.
Sign Up
Check
Sign Up
Enter Mobile Phone number
T Authentication
A new authentication has occurred. www.battle.net
2017.02.17
www.battle.net
2017.02.17
Process-SMS OTP
02. SMS receipt of PIN code 03. PIN code input01. Authentication request by
service provider
04. Authentication completed
Check the matching of T Auth.’s customer data
with the MNO’s customer data
If quick adoption is needed,
T Auth. supports authentication through SMS OTP.
PIN CODE
: 1234512345
SKT provided several “Value Added” services
T Credit Management T Stock Information
Fees : $3 / month
Launch : Jan, 2017
Registered Users : 70,000
Credit check and management of rating
Fees : $10 /month
Launch : March, 2017
Registered Users : 3,500
Daily stock market information from robo-advisors
Meanwhile, SKT could find meaningful sources of “Profit”
Case. 1_Banking Services
KB Bank could eliminate several layers of painful authorization steps
Simplified Authentication
Check information OTP authentication CompleteSMS authentication
Phone Number
SMS PIN CODE
010-123*-45**
Confirm
OTP Number
*****
Confirm
Simplified money transfer process (90s -> 15s)
Select Authorization
SMS PIN ARS
Confirm
completeCheck information T Auth. Authentication
*Kookmin Bank is the biggest bank in South Korea and has 1037 branches and 210 regional offices.
www.kbbank.com
2017.02.17
Case. 2_Online SP
Online service providers can reduce the customer attrition rate from 24% to 4% during the user registration stage
Input personal information
and sign up
User authentication request
sent to the user’s phoneT Authentication Sign-up complete
www.battle.net
2017.02.17
www.battle.net
2017.02.17
Welcome to 11st
Subscription to membership
is completed
11st HomeSign-Up
After you authenticate, Sign-Up is
complete.
Enter Email
Enter Password
Enter Password Again
Enter Mobile Phone number
I agree to the privacy policy
After you authenticate,
Sign-Up is complete.
Sign Up
Check
Sign Up
Sign-Up
After you authenticate, Sign-Up is
complete.
Enter Email
Enter Password
Enter Password Again
I agree to the privacy policy
After you authenticate,
Sign-Up is complete.
Sign Up
Check
Sign Up Sign Up
Enter Mobile Phone number
T Authentication
A new authentication has occurred.
* It is applied to around 26000 online SPs.
* Identity authentication is required to join Online Service in South Korea
Case. 3_Payment
T Auth. allows users to add payment methods quickly and safely and prevents identity theft issues.
Enter card information
and proceed registration
User authentication is requested
through T auth. app Card registration completeT Authentication
*Samsung Pay is the number one mobile payment service
The amount paid by Samsung Pay in 2016 is $ 3.94 billion
www.samsungpay.com
2017.02.17
www.samsungpay.com
2017.02.17
Card Registration
Card Registration
After you authenticate, Card
Registration is complete.
After you authenticate, Card
Registration is complete.
Card Registration
T Authentication
A new authentication has occurred.
Phenomenal Growth of Users After Launching the Service
SMS based Authorization Users
T-Auth. App User
Authorizations with SMS based T-Auth. service
Authorizations with T-Auth. App
T-Auth.App Open
6.6 million
8 million
2016.01 2017.052016.07 08 09 10 11 12 2017.01 05
1,200m
1,300m
1,400m
1,100m
1,000m
900m
300m
100m
50
m
55
m
60
m
65
m66 million
50 million
55 million
Monthly Uses Active Users of T Authentication
App version is Launched
In Aug. 2016
China Market Research
China Market Research
MNO Subscribers
China Mobile 856 M
China Unicom 266.3 M
China Telecom 221.53 M
China Telecommunication Market Status
Head Number
Population 1.387 Billion
Mobile Phone penetration rate 95%
Smart Phone Penetration rate 79%
Authentication Used In China
Service Usage
Car rental serviceOnline Booking
Ex. CAR Inc. (神州租车)
Banking service Money transfer, Bill payment
Online payment platformSign Up / Payment method verification / ID verification
Ex. Alipay, WeChat Wallet
Ride hailing serviceSign-up / Payment method verification
Ex. Didi Chuxing
China Market Research
MNO SubscribersT Auth, Expected user
(70% of all subscribers)
Number of annual
Authentications
Authentication
Unit PriceAnnual sales
China Mobile 856 M 599.2 M
20 $ 0.04
$ 479.36 M
China Unicom 266.3 M 186.41 M $ 149.13 M
China Telecom 221.53 M 155.07 M $ 124.06 M
Estimated revenue when introducing T Auth.
How Does SKT Build an
Ecosystem?
Economy of scale_1. Standard API
Provide Open Interface Spec. to all SP/Agent
Economy of scale_2. Backend Office Solution
Service Provider/Agent (Register) Operator (Approval)
Register, Approval, Contract, Signing, Payment—All in One Website
Economy of scale_3. Business Network
Over 26,000 companies are using T Authentication.
Quick Monetization _ 1. Reasonable price (per transaction)
Equal price to all SP/Agent
3 cents to 1 dollar per each transaction/data field
대행사 인증구분 O TP인증수단적용시작년월적용종료년월 단가2016-01 9999-12 33
2016-01 9999-12 46
2016-01 9999-12 33
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2016-07 9999-12 33
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2016-01 9999-12 46
2016-01 9999-12 33
2016-01 9999-12 33
2016-11 9999-12 33
2016-07 9999-12 33
2016-01 9999-12 33
2016-01 9999-12 33
2016-01 9999-12 46
2016-01 9999-12 33
2016-01 9999-12 33
2016-01 9999-12 33
2016-07 9999-12 33
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2016-01 9999-12 33
2016-01 9999-12 46
2016-01 9999-12 33
2016-01 9999-12 33
2016-01 9999-12 33
2016-07 9999-12 33
2016-01 9999-12 33
한국모바일인증 B2C
SM S사용LM S사용ARS사용O FFLINE사용DATAPUSH사용T인증사용미사용
드림시큐리티 B2C
SM S사용LM S사용ARS사용O FFLINE사용DATAPUSH사용T인증사용미사용
다날 B2C
SM S사용LM S사용ARS사용O FFLINE사용DATAPUSH사용T인증사용미사용
코리아크레딧뷰로 B2C
SM S사용LM S사용ARS사용O FFLINE사용DATAPUSH사용T인증사용미사용
Quick Monetization _ 2. Big data Value Added service
SKT analysis Authentication + customer Data &
Providing Fintech service (Credit score, Asset Mngt.)
Security first
We care aboutLocation,
Pattern,
IP address,
Interval,
Etc.
We haveSIM based S/W OTP
SHA 512
AES 128
UICC authentication
Hacking detect solution
Proposal
제안조건포함
Building Verified money transfer services using Mobile ConnectMohsin TermezyHead Product, Strategy & Innovation
66TPSworldwideCompany/TPSworldwide
How about verified money
transfer to
a mobile number
rather than a
bank account number?
How about ATM withdrawal
from your account without
carrying your plastic card
with
you?
69
DigiCheQ is a global money transfer platform that enables you to
instantly remit cash to a verified mobile number. With DigiCheQ,
you can simply withdraw cash from an ATM machine without
having to reach for your plastic cards
DigiCheQ: A Cardless Money Transfer Solution
The Case for
Digitizing PakistanBeing a developing country Pakistan faces familiarchallenges when building a digital ecosystem.
Coverage
Ranked 4th in terms of broadband growth, internetcurrent penetration amounts to only 18%
Interoperability
Complete interoperability between commercialbanking & mobile money accounts
Devices
There are more than 141 Million mobile
connections in the country, but smart phonepenetration only 25%
Digital Bank
Growing 11,000+ ATM network adds to digital bankinfrastructure along with 300,000+ banking agents
Subscribers
Pakistan adding 27 MM subscribers will be amongst
the top 10 global markets by subscriber growth in2017
Trends & User Adoption – ATM GrowthBy 2020 the number of ATMs in the world are set to grow to 4.3 million
Source: World Bank, BIS Red Book, ECB, RBR, Accenture
34%
44%
Trends & User Adoption- Cost per TransactionCost per transaction and cost per replenishment will reduce as volumes increase
Source: ATMIA ATM Benchmarking Study 2016
Sender
Receiv
er
Initiator –
Banked Customer
Beneficiary visits
designated ATM for cash
withdrawal
Enter cell number of
beneficiary for verification
and processing
Enter CitizenID & DigiCheQ#
for verification and transaction
completion
Account Number replaced with Cell Number
ATM Card replaced with Citizen ID Number and DigiCheq
Number
DigiCheQ: A Cardless Money Transfer SolutionFor the Pakistani market, we have developed a solution to connect the banked to the unbanked
The DigiCheQ Infrastructure
INITIATION
CHANNELS
TELCOS
ATM NETWORKS
SENDERRECEIVER
ACQUIRING
BANKS
Licensin
gPaymentSystem
Integration
TransactionProcessing
ReportingReconciliationSettlement
DigiCheQ Payment Platform
I R I S
Better ATM infrastructure utilization New service and revenue line Reduction in ATM replenishment cost Cheaper than branch and agent servicing
cost
Monetization of customer data
Minimize dependency on Mobile Money Agents
High adoption in the Postpaid category
Broadening financial inclusion
Digital identity adoption Direct Benefit payments
24x 7 availability of ATMs No liquidity constraints
compared to Mobile Money Agents
Cheaper money transfer solution Secure delivery
DigiCheQ for Digital Ecosystem DevelopmentThe DigiCheQ platform offers a number of benefits to each of the stakeholders involved
New Use Cases & Service ExpansionThe service has the potential to be extended to multiple avenues
02
Utilizing Cash Deposit Machines
for Wallet Cash In, Account
Deposits & Money Transfer
Other Bank ATM & Agent payouts
04
Direct social payment
disbursements minimizing
dependency on agent
network
Government Benefit Payments 05
Migrant worker remittances
directly disbursed through
ATMs
Migrant Worker Remittances
03
Corporate micro payments to
contractors & daily wage workers
Corporate Cash Payments
01
DigiCheQ withdrawal using
shared infrastructure of other
bank ATMs and Banking
Agents
Verified Cardless Deposit
DevicesBy 2020, there will
be 3bn
smartphones in the
region
M-BankAsia will have close
to 1bn mobile
banking users by
2019
InteroperabilityAsia is home to 5
live interoperable
mobile money
markets
Coverage2.6bn people in
Asia are expected
to have mobile
internet
SubscribersUnique subscribers
are set to grow to
3.1bn from 2.5bn
Opportunity 2020: Asia Pacific
The Asia Pacific market offers a very
lucrative opportunity for the DigiCheQ
platform to tap into. Development of the
digital ecosystem in developing markets is
subjects to a number of challenges,
however, the extent of these challenges
varies from country to country. To achieve
the maximum potential of the digital
ecosystem it is imperative that these
challenges are addressed.
3bn
5bn
1.
1bn
3.
1bn2.
6
Build an Interconnecting Application Ecosystem Based on SIM Card Authentication
云业务 互联网能力平台融合通信
通信增值类业务MM 应用商场 创新类业务
Six Business Development Direction
CMIC Open PlatformCloud BusinessRCS
Mobile Market Value-added Business Innovative Business
实名制
互
联网数字标识1 2
Mobile Phone Real-Name System Mobile Digital Identify
基础认证 互联互通 权益服务
目前状况
Daily Active user
Monthly Active user
Daily Authenticat ion Frequency
Monthly Authenticat ion Frequency
The Developments
Basic authentication Interconnection Rights and Interests
互联互通:难 账号管理:乱用户注册:繁
Problems in App Registration
Interconnection : difficultUser registration : cumbersome Account management : chaotic
Uniform Authentication:to Build an Interconnecting Application Ecosystem
静态密码
通行证号/手机号
密码
登录 取消
短验认证
手机号
短验码
登录 取消
获取
二维码登录
登录 取消
SIM盾
支付 取消
尊敬的招行:
您的卡号400**789
正在发起扣款申请,是否一键授
权支付。
【移动SIM盾认证】
移动商城
网络认证 IVR
语音识别
请说出你的口令
USSD
指令授权
尊敬
139****4977用户,你正
在授权***应用登录,请输
入你期初设置的指令。
确认 更正
输入指令
本机号码一键登录取消 确认
SIM卡应用:
尊敬的用户:您正在发
去sim卡快捷登录,请确认。
【中国移动】
SIM卡快捷确认
Eight types
可在不同网络条件下,快速实现用户身份验证
NetworkAuthentication
SIM CardQuick Confirmation
SIM Shield SMS Verification
Login Scanning QR Code
Static Password
Command Authorization
SpeechRecognition
Basic Authentication
真实号码Real Number
中间号Middle Number
手机副号Secondary Number
和通行证号AND Identity
@
UserBus inessmen
四套隐私保护方案
基于大网数据,判别用户身份
Privacy Protection
Basic Authentication
One-Key Password-Free Login
Basic Authentication
提高登录成功率,实现客户端、网页(短信链接、微信)全场景覆盖
应用 需校验号码
A 138~~1111
B 130~~1111
C 133~~1111
App
服务端
发起校验数据
Sending Data for verification
校验(适用三网号码)
Verification
返回校验结果
Returning result
App
服务端
调用数据网关校验,帮助应用识别号码属性,返回校验结果
应用 需校验号码 结果
A 138~~1111 是
B 130~~1111 是
C 133~~1111 否
Local Phone Number Verification
Basic Authentication
快速识别本机号码直接进入智能链接,提升营销效率
Smart Link
Basic Authentication
覆盖“账号安全、售后客服、业务营销”等场景,提供安全、优质、精准的客户判定
虚拟号码
Virtual Number
真实号码
Real Number
更多号码
More Numbers
用户登录
User Login
A
防刷单模型Cheat-proof Model
用户 信用 刷单
A III 虚假
B I 真实
… … …
结果输出
Output
身份校验
Identity Verification
应用
Application
没有优惠No coupons
提供权益Providing interests
更多号码More
降低运营成本To Help Reduce Operating Costs
信用模型Credit Model
B
…
Trust-based Login
Basic Authentication
降低开发门槛,实现能力之间无缝调用
Ability to Interconnect
Interconnection
社交
通话
出行
办公邮件
公文
Social Networking
Official Papers
Travel
Office
Call
降低用户登录门槛,实现应用之间无缝穿越
Ability to Interconnect
Interconnection
一站式应用服务 One-Stop Services for Applications
互联网权益的统一获取、统一管理、统一切换
Coupon Package
Rights and Interests
159~0009139~7450
139~7450
159~0009
一键换号
换号后新号码继承旧号码权益领取更多权益
手机号码认证
互联网计费
有数
有推
应用分发
广告平台
… …
中国移动开发者社区(dev.10086.cn)面向开发者提供更多能力申请、调用
More
Interconnected Ecosystem Connecting the World
中国联通数字身份业务发展
Development of China Unicom Digital
Identity Service
中国联通
China Unicom
2017.06
数字身份业务背景 Digital Identity Service Background
Verizon发布数据泄露调查报告,密码
成黑客主要突破口
Verizon released a report on data leakage,
which indicates password the major breach
网络安全法加强个人信息保护,支持电子身份
认证技术
Cybersecurity Law strengthen the protection of
personal information and supports E-
authentication
用户便捷登录需求依然强烈
Easy login need is still strong
互联网用户账户隐私安全形势愈加严峻,中国联通肩负社会责任,充分开放自身用户
安全认证能力,解决日益严重的互联网用户隐私安全问题。
MNOs have the responsibility to open their user authentication ability to
solve privacy leakage issues.
产品框架体系 Product Framework
合作伙伴Business Partners
个人用户Customer
汇聚
Integration
能力
Ability
连接
Connection
用户和伙伴
Users and
Partners
通行证Mobile
Connect
统一认证统一入口
Unified Authentication Unified Entrance
能力Ability
SIM卡认证SIM Applet
Authentication
生物认证Biometric
Authentication
NET取号认证Header
Enrichment Authentication
USSD认证USSD
Authentication
实名校验Real-Name Verification
二次卡能力Number
Reallocation Identify
……
SIM卡认证 SIM Applet Authentication
LoA2 LoA3沃邮箱
Wo-Mail
NET取号认证 Header Enrichment Authentication
首页取号Header enrichment authentication at home page
登录页面取号Header enrichment authentication at login page
生物认证 Biometric Authentication
基于SIM卡应用和指纹识别的双因素认证2FA with SIM applet and fingerprint
指纹识别在联通沃邮箱应用Fingerprint authentication on Wo-Mail APP
通过USSD下发手机验证码
Use USSD to send OTP
通过USSD交互进行身份校验
Use USSD to do authentication
USSD认证 USSD Authentication
合作伙伴Partner
联通CU
手机号码+证件类型+证件号码MSISDN+Type of ID Certificate+ ID Certificate Number
手机号码+证件类型+证件号码+姓名MSISDN+Type of ID Certificate+ ID Certificate Number+Name
手机号码+姓名MSISDN+Name
用户状态 User Status:在网/离网 Active/Cancel
在网时长 Active Duration:0~1/1~3/3~6/6~12/12~24/……
是否一致Comparison
实名校验 Real-Name Verification
老用户收不到验证码
无法更换手机号
Registered user
can not receive
verification code,
can not change
mobile number
新用户手机号绑定
问题
New user have
phone number
binding problem
发展新用户
Develop new users
保障前用户资金安全
保障用户隐私
Protect former user’s funds
and information security
二次卡能力 Number Reallocation Identify
USSD
二次卡 Number Reallocation Identify
NET取号 Header Enrichment Authentication
生物认证 Biometric Authentication
合作伙伴 Partners
SIM卡认证、NET取号互联互通 Interconnection
中国联通愿与合作伙伴共同努力,以通行证(Mobile Connect),助力数字身份业务健康快速发展
China Unicom will promote Mobile Connect service with all partners
谢 谢!
Thank You!