Transit – Technology Play

PayCraft Solutions Pvt. Ltd.

Whenever | Wherever | However

Who are we ?PayCraft is a cards and payments consultancy and solution provider. We are the preferred partners for payment solutions to global/domestic payment schemes, banks, transit operators, government agencies, toll operators, sports authorities, payment gateways, payment processors, card associations, payment instrument manufacturers, telecom and many others. PayCraft has proven expertise to traverse the full product life cycle path. The path covers design, development, testing, certification and deployment. We provide an end to end customer support for developing business models and technical solutions for our esteemed clients. We have extensively worked with metro operators, bus operators, toll agencies and financial institutions in India.

What we stand for ?At PayCraft, we’re committed to helping our people, our clients and our wider communities achieve their potential.

It’s how we make a difference.

PayCraft – Introduction

Promoters: Group of professionals with 50+ man-years of experience in the Consulting & ITES industry.

Locations: Sales Office: Mumbai

Development and support center: Pune

Why Paycraft ?Solution based consulting with software and process optimisation

Trusted and proven Global Partner in payments

Sustainable and affordable after sales support

Leading Banks, Multinationals, Consulting Companies as clients

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Technology – Impacting daily life

«Paying for public transport should be as easy as buying a sandwich «

Shashi Verma, Tfl

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Two major transit models

CLOSED LOOP OPEN LOOP

Security

Usage Areas

Top Up

Interoperability

Cost of Ownership

Value Added Service

Provided by old methods Advanced security with EMV based new technologies

Only transit Transit, Toll Collection, Loyalty, Campus, Vending Machines

Usage of Mifare POS terminals, Ticketing Machines

Usage of Bank POS, ATM, IVR, Mobile Phones and Ticketing Machines.

No Nationwide and international usage thanks to EMV based open standards.

System is invested only by Transit Company Reduced cost due to multi party involvement.

Very limited Extensively usage of payment, loyalty, couponing, ticketing applications.

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Closed loop - Challenges

► External interfaces with 3rd party smart card host► Interfaces of AFC with CCHS► Card and terminal interfaces

► SAM interface specifications► Current terminal specs have limited card-type reading

capability

► Vendor specific card data definitions

► Risk of other transit operators forced to go with the same vendor because of lock-in

► Interoperability of standards being replaced with mandating the use of same vendor’s solution

► Deterrence in revenue opportunities for allowing business partners such as FIs and retail business owners

► Cannot adopt open-loop EMV payments for easy acceptance outside transit

► Cannot allow multiple financial agencies to promote card with revenue-accrual outside transit

► High costs incurred due to usage of CCH given by closed loop solution providers

► No scalability to multiple applications (outside transit) because of using proprietary solutions

► Limited choice of products - transit specific CCHS► High costs of ownership

Constraints due to CCH closed loop solution providersVendor lock-in for technology interfaces of AFC

Limitations to promote transit card as multi-purpose card

Limited options for transit operators to adopt Other transit operator’s card

Challenges

01 02

03 04

Immediate term

Long term

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CARD ► Card data definitions

Level 1

Level 0

DEVICESSAM

Card Read/Write

► Device-card interface specifications

► SAM interface specifications

POS

AFC System

Configuration data

Usage data ► Security specifications

Level 2

Smart card host & CCHS

Configuration data

Black list

Crypto keys

Usage data

► AFC system – SC Host interface specifications

► Configuration data definition

► Usage data definition

► External interfaces

Vendor Lock-in issues @

1. External interfaces with 3rd party SCH

2. Interface between the AFC system and the CCHS

3. Interface specifications between the card and acceptance terminals

4. Vendor specific SAM interface specifications

5. Vendor specific card data definitions

Challenges at all levels

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Open loop – Options available

UTIITSL Incomplete specifications No support for specifications and implementation Complex organizational structure

OSPT – Open Specifications for Public Transport Internationally open standards and specifications Non EMV based specifications supporting multi modal

transportation EMV (Europay, MasterCard, Visa)

Open standards for payment cards Highly secured, interoperable and scalable Could be used for transit, loyalty or any other businesses

NPCI transit specifications Open specifications for transit based on EMV

Card Architectures – EMV with Legacy Systems

Mifare(Desfire, Classic) Transit Emulator

Transit Prepaid Account

MasterCard PayPass, VISA payWave Application

This architecture keeps supporting existing Mifare standards for old terminals and EMV standard for new ones

Card Architectures – Prepaid with Shared Account

Custom Transit Application

Shared Balance

• Prepaid account is managed in the card• Custom transit application keeps transit(monthly pass, discounts, etc) and

cardholder related data to help calculating fare amount• Shared balance for all transit, retail and other transactions• Allows offline risk management and offline transactions• Ideal for full EMV migrated markets

EMV Application(PayPass, payWave, ...)

NFC in Transit

Transit application on Secure Element (SIM, Embedded or Micro SD)

Transit Application on Wallet

Integration with Cardtek / 3rd party TSM Systems

Top Up process through NFC Phones

Access to Timetable and Tariff information through mobile phones

Access to Transaction History through mobile phones

Buying ticket through mobile phones or payment terminals

Additional campaign and loyalty information on NFC phones

Download timetable and tariff informationBuying ticket, top up

Access control

Advertisements

Loyalty and Rewards

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Card Architectures – Prepaid with Shared Account

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Contactless Transit – Form Factors

The Mini Card

The Key Fob

The WatchThe MC² Card

The Mobile Sticker NFC and Mobile DevicesThe Mobile Sticker

Turkey Football Fedaration and TransitCafe

Stadyum

• The solution is implemented in • 31 stadium• 1100 turnstile• 3.5 million cards targeted• EMV credit, debit,

prepaid• MifareDesfire• Transit integration with

local cities• Use of the card in coffee

shops as MasterCard/Visa prepaid card

BAKU TRANSIT / Bank of Azerbaijan

Debit Prepaid, Credit and No Name Prepaid cards

Top – Up (via POS & Kiosk terminals, from customer account)

1st phase : 550 validators in total, 2nd phase : 2200 validators in total

• Use cases;

Payment card Debit card Transportation (Buses, Metro)

AKTİFBANK CASE STUDY

AWARDS : Best Non-U.S.-Based Prepaid Program category

Best Third-Party Prepaid Product Retailer category.

Use Cases • Shopping in restorants, retails, cinemas, football stadiums• Transportation (buses, metro)• Campus, Student Card• Parking• Water, Electric, Gas MetersLoyalty • Get points, coupons after each transaction Prepaid• Top Up Management

BANK ASYA CASE STUDY

• Complete city card solution by using the contactless EMV technologies ie Visa Paywave & MC Paypass and Mifare.

• Complete SmartSoft City Card, Transportation and Ticketing Solution

Bank Asya’s City Card Concept

Use Cases transportation, car parks, toll-payments, vending machines, stadiums, movie theathers, as campus card/student identification

card, as library card,