20141118 mobile-payment-netcetera-thomas-fromherz

Field Report

Apple Pay with US Credit and Debit Cards in Switzerland

November 14, 2014 – Dr. Thomas Fromherz

Netcetera | 2

Registration

Purchase Transactions with Apple Pay

Apple Pay in In-App E-Commerce Transactions

© 2014 Netcetera AG

Agenda

Netcetera | 3© 2014 Netcetera AG

Registration of Card for Apple Pay

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“Old” Passbook without Apple Pay

Due to region “Schweiz”


Get Passbook with Apple Pay Capability

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Switch region to “Vereinigte Staaten”

“New” Passbook w/ Apple Pay


Get Passbook with Apple Pay Capability (cont.)

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Open PassBook


Registration of Card for Apple Pay

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Click “Set Up Apple Pay“

Click “Add a new Credit or Debit Card”


Registration – Citi MC, Card Data Input by Typing

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Enter card data by hand

Verifying …


Registration – Citi MC, Card Data Input by Typing (cont.)

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Verifying Accept T&C

Card verified

3 identification options

Call Citi Apply Pay number, enter

PAN, ZIP, Citi password

automatically verified (or

forwarded to call center agent)

Citi (system?) calls number on file

Citi (system?) texts number on file



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Card ready for Apple Pay

Complete registration:

<10 min

Activation (from successful

identification to “ready message”):

<10 sec



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Under “i” card info screen

Direct link to Citi mobile app

On/off switch for card notifications

Transaction history

Contact Citi (link to initiate call)

Card number (PAN), last 4 digits

Device account number (DAN), last

4 digits

Remove card



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Pressing camera icon activates

automatic recognition of card data

from picture

Security code (CVV) to be entered

manually


Registration – Citi Amex, Card Data Input by Camera

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Enter security code (CVV) manually




(cont.)

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1 identification option

Call Citi Apply Pay number, enter

PAN, ZIP Citi password

forwarded to call center agent

verification of identity

Apple Pay activation by agent


Complete registration: <10 min

Activation: <10 sec



(cont.)

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E-Mail with additional instructions on

how to activate card for Apple Pay


Registration – Citi MC, Amex, Customer Communication

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E-Mail with activation confirmation

and further information


Registration – Citi MC, Amex, Customer Communication

(cont.)

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Pressing camera icon activates

automatic recognition of card data

from picture

Security code (CVV) to be entered

manually


* BofA = Bank of America

Registration – BofA* Debit, Card Data Input by Camera

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Call BofA Apply Pay number




© 2014 Netcetera AG * BofA = Bank of America

Registration – BofA Debit, Card Data Input by Camera

(cont.)

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Call BofA Apply Pay number





Complete registration: <10 min

Activation: <10 sec



(cont.)

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Under “i” card info screen

Direct link to BofA mobile app

NO On/off switch for card

notifications

NO Transaction history

Contact BofA (link to initiate call)

Card number (PAN), last 4 digits

Device account number (DAN), last

4 digits

Remove card



(cont.)

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E-Mail with activation confirmation

and further information


Registration – BofA Debit, Customer Communication

(cont.)

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All 3 cards in PassBook

and in “Settings” app under

“Passbook & Apple Pay”


Registration – All 3 Cards in PassBook and Settings App

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In “Settings” app under “Passbook &

Apple Pay”

Set default card

Add 1 billing and 1 shipping address

Add 1 phone number

Add 1 e-mail address

All can easily be picked from

address book entries

Addresses and contact details for in-

app purchases


Registration – Add Billing & Shipping Address and

Contact Details

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Not offered in my case

Reason unclear

Should be something like this


Registration via iTunes Store!


Contactless Payment at Migros POS

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Video shows transaction with

changing card from Amex to

MasterCard



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Holding iPhone against POS, screen

off

Screen turned on, verified Touch ID

(or not )

Transaction successful

Notification on lock screen

Sliding notification opens card info

screen (PassBook/Setting) (s. slide

after next)



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Card info screen can be accessed via

PassBook (pictures left) or via

“Settings” PassBook & Apple Pay”

PassBook shows last transaction on

card screen and card info screen (see

next slide)


Contactless Payment at Migros POS (cont.)

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Card info screen shows latest

transactions

Citi Mobile app shows transactions as

“pending”



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Transaction with BofA debit card failed

despite showing on the card screen;

(reason: most probably because Visa

Debit not set up on terminal)




Some Details

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When tapping the terminal Apple Pay

wakes up and displays default card;

If TouchID not pressed, transaction

doesn’t happen

User can choose another card with

typical Passbook gesture also used

for selecting boarding cards, hotel

reservations, or movie tickets

Selected card is used for transaction

(s. movie)


Change of Card when Paying

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Transaction amount is sent back via

NFC for MasterCard, i.e. always

available, even without data

connectivity (flight mode on)

If no data connectivity available,

merchant name not available


Merchant Names vs. Transaction Amount

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Once data connectivity available

(flight mode off), merchant name is

sent to iPhone (both notification and

transaction history)

Assumption: sent by issuer


Merchant Names vs. Transaction Amount (cont.)

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For Amex, amount apparently not sent

back via NFC but - converted into

US$ - via data connectivity from

issuer;


Merchant Names vs. Transaction Amount (cont.)

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High-value transaction did not require

PIN at terminal


High / Low Value Transactions

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MasterCard: Contactless EMV

Amex: Contactless Magstripe


Contactless EMV vs. Contactless Magstripe


Acquiring Records – KKiosk

DAN


Acquiring Records – KKiosk

DAN

Contactless Magstripe


Acquiring Records – Test Terminal

DAN

Contactless EMV

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Aiming was not an issue; transactions

were done without even thinking

about how to hold iPhone to terminal

Transaction at Migros terminal

(Yomani) was faster than at Kkiosk

(Verdi);

The latter required some patience &

confidence that transaction would go

thru;

Empiric judgment


Aiming & Transaction Time


Apple Pay in E-Commerce aka In-App-Transactions

Netcetera | 43© 2014 Netcetera AG Quelle: http://www.apple.com/apple-pay

Apple Pay in Apps

http://www.apple.com/apple-pay

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First screens of Apple Store app

Purchase did not go thru due to

address problem


Apple Pay in Apple Store App

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(c) 2014 Netcetera AG

The content of this presentation is copyrighted material. Reproduction or publication,

in whole or in part, by third parties without prior written permission of Netcetera is

prohibited.

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[email protected]

+41 44 297 58 18

Dr. Thomas Fromherz – Director Payment & Card Services

Contact

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