New Technologies: NFC, HCE, BLE, Tokenization…

The Human Chain Ltd www.thehumanchain.comDocument V1.0 29_09_2015 1

who am I – Tim Jefferson

30 years + veteranof mobile, digital and

new product dev

seniorconsultant in mobile, NFC and contactless

helping MNOs, banks, card issuers andtechnology companiesbring to life commerce

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The Human Chain and our customers

specialists in developing new propositions from

concept to launch

UK based businessand technology consultancy

leadership inuse of mobile, e&m-commerce, contactless/NFC, identity and authentication

digital service realisationtest & learn, POC, pilot & demo

digital services toolkit3

commerce – context – changing worlds

Key Figures 30% World Smartphone

Penetration Dec 2014 – Rapid Value

40% EU social media penetration - Mar 2015 EWI

100BN Apple App downloads June 2015 up from 45BN Mar 2013 – Apple

added value

convenience

personalisationhow I want it

easy

instant gratificationimmediacy

more control

physical and virtual goods

my data shared when & where I want

offer I don’t get elsewhere

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contactless & Apple/Samsung/Android…Pay

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HCE/tokenization, real time banking, tech …

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payments regulation

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mobile - bank apps, P2P, ….

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smartcard services beyond payment…

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smartcards/technology are here to stay!

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Q&A

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Contact

Tim Jefferson

The Human Chain LimitedMagdalen CentreThe Oxford Science ParkOxfordOX4 4GAUnited Kingdom

Mob: +44 7836 660 419Tel: +44 1865 784 386Fax: +44 1865 784 387

E-mail: timj@thehumanchain.comWeb: http://www.thehumanchain.com

http://www.digitalservicestoolkit.com

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The Human Chain

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who we are and our customers

specialists in developing new propositions from

concept to launch

UK based businessand technology consultancy

leadership inuse of mobile, e&m-commerce, contactless/NFC, identity and authentication

digital service realisationtest & learn, POC, pilot & demo

digital services toolkit14

supporting service evolution – our DST capabilities

discovery“test & learn”- test/learn demo

environment- existing service - facilitating rapid

mobile and web service realisation

alpha“proof of concept” - agile and iterative

proof of concept environment

- quick & easy integration to existing systems

beta“pilot/trial” - e2e piIot/trail

environment- user centric

testing - commercial grade

pre-production15

current areas of expertise and knowledge

TSM (trusted service management)

embedded SIM/eUICC

payments innovationmobile wallets

HCE/tokenization secure elements and TEE’s

delivery of new product and service introductionNFC and contactless

loyalty, offers, ticketing, access control… into mobile

bricks, e, & m commerce strategy

identity and authentication

BLEm2mIoT

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key partners

Digital Works Consultingdigital transformation experts

CGITier 1 systems integrator

SecureKey trusted identity platform and strongmultifactor authentication

Helixion payments appand wallet developers

FirstPartnermarket insight specialists

Gradiantleader biometrics

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Contact

Tim Jefferson

The Human Chain LimitedMagdalen CentreThe Oxford Science ParkOxfordOX4 4GAUnited Kingdom

Mob: +44 7836 660 419Tel: +44 1865 784 386Fax: +44 1865 784 387

E-mail: timj@thehumanchain.comWeb: http://www.thehumanchain.com

http://www.digitalservicestoolkit.com

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Case Studies

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Weve Support Weve in becoming a Data Attribute Provider

to the Government’s IDAP 2 Procurement Develop a strategy for Weve to exploit MNO customer

data attributes in the commercial digital and mobileIdentity space

Build a detailed business plan and revenue model,whilst gaining a detailed understanding of the marketdemand for identity attributes

CGI – Major Systems Integrator Provide identity and authentication subject matter

expertise to support government and commercial bidteams

Provide knowledge transfer and learnings throughworkshops and 121s to rapidly increase in-houseknowledge and expertise on identity ecosystemdevelopment in UK and internationally

Speed time to market for CGI by suitable partnerengagement and opportunity assessments

Identity and Authentication I

AT&T and SecureKey Demo Selected to provide an e2e outsourced demo service

for the leading trusted identity platform and strongmultifactor authentication provider

Defined and delivered in rapid timeframe the demo forSecureKey and their leading US reseller AT&TMyBank demo using soft and hardward based secureelements (SEs) in mobile, browser along with Intel IPT

Supporting up to 500 global sales and marketing staff SecureKey Concierge CRA GSMA Demo

Developed and deployed a verified mobile numbermID e2e interactive demo for SecureKey and theGSMA for MWC2014

An extension of the existing live Bank ID SecureKeyConcierge service for the Canadian Revenue Agency(CRA)

Created a secure mobile app that allows end users tochoose attributes shared

Partners:

Identity and Authentication II

Assure UK Started as joint GSMA and OIX Project to develop the

ID ecosystem in the UK and stand up a UKcommercial trust framework and neutral federatedidentity hub

Actively engaged at SteerCo level, working withvertical market relying parties, attribute providers andtechnology providers to understand and meet Identityauthentication attribute needs and requirements

Supported market engagement strategy – helpingdevelop the go to market strategy and also engagewith banking, telco and retail vertical market relyingparties

Major MVNE Provided market knowledge and education around

developing the identity and authentication market Reviewed internal skills and expertise to provider

identity and authentication solutions for MVNOs Carried out market entry/go to market assessment

Identity and Authentication III

MAAM – Mobile Adaptive Authentication Manager- Demo GDS – IDAP/Verify use

cases- test federated identity services - commercial grade test/learn

demo environment- POC/trials platform - testing user-centric choice- fast/easy integration to existing

systems- proving adaptive authentication

technologies – voice and face recognition…

- mobile SDK’s, mobile and web apps & APIs

- adaptive web dashboard

Identity and Authentication IV - MAAM

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BarclayCard – Mobile Payment Deployment Technical project management to support solutions

provider in developing mobile wallet paymentapplications

Provide technical support and management todevelopment team to ensure effective mobileapplication development and testing

Trüb Mobile – market intelligence, education and

strategy TSM – market analysis, service definition and value

proposition development Client engagement strategy

Big 4 Management Consultancy MNO P2P payments analysis Market analysis of the role of P2P and NFC in

MNO/Carrier payment strategies Definition of mobile P2P payment proposition

Payments I

Major European Postal Service Review and validate new e-commerce secure pin

solution Build value proposition to validate with e-tailers

and PSPs Report structured findings and recommendations

Major Device Manufacturer Capture business and technical requirements to

add card payments acceptance functionality tomobile devices

Payments acceptance solutions market analysis Define and manage end to end RFI process to

procure defined solution Mobile Point of Sales (mPOS) White Paper

Author thought leadship White Paper “New Entrants disrupting the established

payments acceptance business” www.thehumanchain.com/publications

Payments II

Transport for London Evaluation of mobile NFC for ticketing Impact analysis on existing Oyster card scheme Definition and scoping of ‘pay at gate’ open EMV

payment solution including back end integrationwith existing infrastructure

Major Carrier/MNO Market entry evaluation as part of NFC launch Business and Pricing models to drive value for

carrier Formal vendor selection/partner engagement

Major Carrier/MNO Market entry evaluation for ticketing and

physical/digital access Deep dive residential/corporate/campus

business and revenue modeling Digital key product development Partner engagement

Travel, Ticketing and Access

Hilton Loyalty, remote check in and contactless lock

strategy e2e CRM exploiting full mobile capabilities, incl.

NFC integrating with Hilton systems Starwood

e2e CRM and mobile loyalty strategy – touchpoint analysis and pilot definition

Remote check in, on property resourcemanagement and mobile engagement strategy

Mobile and NFC market intelligence & education Assa Abloy Hospitality – “Mobile Keys Project”

Design and develop market-disruptive mobiledigital key service from e2e

Market entry evaluation – including business,revenue modeling, technology proof of concept

Ecosystem development and partner engagement Pilot scoping, definition and management

Loyalty, Access and CRM

Workshops – Tier 1 Carrier/MNO Define, organise and run series of workshops to

educate, provide knowledge transfer and capturefeedback on m-commerce service introduction

Provide mobile, payments, ticketing and retailindustry expertise

Detailed pre read and post workshop reports Webinar – Tier 1 Carrier/MNO

Author and deliver m-commerce workshop to MNOsMVNO customers and staff

Focus on mobile payment, marketing, advertising,coupons, offers, loyalty and access

Provide industry thought leadership live on televisedwebinar

Tier 1 Banking and Telco Technology Provider Author major Analysts Keynote presentation on

current trends in mobile for banking and telco world Focus on new revenue streams, deeper customer

engagement and mobile as the channel of choice

Workshop, Webinars and Keynotes

Contact

Tim Jefferson

The Human Chain LimitedMagdalen CentreThe Oxford Science ParkOxfordOX4 4GAUnited Kingdom

Mob: +44 7836 660 419Tel: +44 1865 784 386Fax: +44 1865 784 387

E-mail: timj@thehumanchain.comWeb: http://www.thehumanchain.com

http://www.digitalservicestoolkit.com

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Key Platform Features• Software framework based on open source technology utilising standardiseddesign patterns• Rich toolkit of integrated enabling technology for rapid re-use in new applications • Easily extensible utilising standardised APIs for web and mobile apps

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