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MasterCard International Payment Brands MasterCard Smart Card Strategy Martyn Cooper Global Platform Symposium - August 2002.

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Presentation on theme: "MasterCard International Payment Brands MasterCard Smart Card Strategy Martyn Cooper Global Platform Symposium - August 2002."— Presentation transcript:

1 MasterCard International Payment Brands MasterCard Smart Card Strategy Martyn Cooper Global Platform Symposium - August 2002

2 Global Platform Symposium2 At Q2 2002, 125 million MasterCard  -, Maestro  -, Mondex  -, and Clip  -branded cards had been issued worldwide   Already 1/10 of total MasterCard card base  98 members in 32 countries  Over 50% carried value-added applications MasterCard A Global Smart Card Leader

3 Global Platform Symposium3 Total Number of Banking Smart Cards Source: Celent, October 2001: Smart Cards in US Banking: Is the Chip Hip? +59%

4 Global Platform Symposium4 Smart Card Migrations EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing

5 France UK Belgium Portugal Switzerland Israël Spain Italy Czech Rep. Slovakia Germany Austria Hungary Poland Sweden Finland Denmark Lux. Greece Turkey RussiaIreland Netherlands Norway Estonian Latvia Europe 2001/2002 Croatia Slovenia Littuania Ukraine Iceland Indicates few banks / processors implementing EMV, not entire country 7 PROPRIETARY & CONFIDENTIAL EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing

6 Global Platform Symposium6 Asia Pacific 2001/2002 China India Australia Indonesia Thai. HK SKor Thai. Jp Mal. Phil. SL Tai. NZ VNam Sing. EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing

7 Global Platform Symposium7 Middle East/Africa 2001/2002 SAr. Kuw. Nga. Leb. Egypt SAfr. Moz. Zim. Gha. EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing

8 Global Platform Symposium8 Latin America 2001/2002 Chile Brazil Ecuador Col. Ven. Peru Bol. Arg. Uruguay Par. Mex. Costa Rica EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing

9 Global Platform Symposium9 North America 2001/2002 EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing Key Members are both issuing and planning to issue EMV smart cards, though no national migration is planned.

10 Global Platform Symposium10 OneSMART  MasterCard  Highly flexible umbrella strategy for helping members introduce smart cards in cooperation with MasterCard –Based on extensive consumer research –Reflects MasterCard’s approach of providing comprehensive support and flexibility to members –Members can choose application set, platform, security strategy, chip size, and card designs

11 Global Platform Symposium11 OneSMART  MasterCard  Assist members in end-to-end implementation –Opportunity identification –Business requirements Process requirements Support –Program development –Program launch Work with industry to improve the state of the art –Standards and specifications Maintain alliances/relationships with best in class vendors MasterCard Role

12 Global Platform Symposium12 Value-Added Applications Data Storage Ticketing Couponing Loyalty Authentication (non-payment) Key To A Positive Business Case In Many Markets Enable issuer differentiation and enhanced functionality

13 Global Platform Symposium13 Value-Added Applications Grow GDV by –Improving acquisition, usage, retention Increase the account’s lifetime value Add new fee services Leverage non-payment opportunities –Partner business process improvement –Reduced inefficiencies or fraud The Business Case

14 Global Platform Symposium14 Value-Added Applications MasterCard has developed a business case tool to model: –Specific opportunities –Multi-application programs –Multi-party programs This model works in concert with the MasterCard chip payment models developed by EPI –These models will be merged Developing The Business Case

15 Global Platform Symposium15 Platform Flexibility MasterCard is only payments association to actively support all major chip platforms MasterCard M/Chip™ available on MULTOS, JavaCard, and proprietary platforms

16 Global Platform Symposium16 Platform Flexibility MasterCard is a member of both MAOSCO and Global Platform Committed to creating a universal platform/ infrastructure that will make it easier for members to issue multi-application cards JavaCard

17 Global Platform Symposium17 Flexible Issuance Options Via ‘MULTOS Issuance Partner’ –Indirect relationship with MULTOS key management authority (KMA) via MIP –MIP interacts with MULTOS KMA on card issuer’s behalf –May upgrade to direct relationship if required ‘Standard’ card issuer –Direct relationship with the MULTOS KMA operated by MXI and within the ‘Global’ MULTOS Domain Co-located MULTOS KMA –Managed by MXI KMA on card issuer’s behalf Private domain MULTOS KMA –Licensed by MXI (complete software/hardware solution) –Operated by card issuer themselves or trusted 3rd party

18 Global Platform Symposium18 MasterCard/Global Platform MasterCard staff assigned to Global Platform Standing Committees and relevant working groups Candidate nominated to chair re-launched Business Requirements Working Group Facilitated Card and Application Management System (CAMS) contribution Evaluating additional security contributions

19 Global Platform Symposium19 MasterCard Objective In particular, aspects of MasterCard’s MULTOS experience But not necessarily prescriptive MULTOS, rather a class of solutions of which MULTOS is one –There could be others Broaden Global Platform (GP) scope to embrace all open, industry technologies, including asymmetric approaches

20 Global Platform Symposium20 MULTOS O/S MULTOS API MULTOS Card Manager Proprietary O/S Java Card API Open Platform Card Manager Microsoft O/S Microsoft API Open Platform Card Manager MULTOS O/S MULTOS API Extended Global Platform Card Manager Proprietary O/S Java Card API Microsoft O/S Microsoft API Today Future Possible/Desirable Outcome

21 Global Platform Symposium21 Java-tisation of MULTOS - The Goal applet Load mechanism Card specific loader Card specific loader Same Terminal Functionality

22 Global Platform Symposium22 Our Contribution Context Meaningful contribution on viable terms: –Intent for IPR terms to be normal GP practice, if at all possible –Minimal pre-conditions or constraints –At scope and level appropriate to GP CAMS terminology will be adopted ‘GP’ style technical authoring style to aid and speed review and debate in working groups Timed to fit with next iteration of specifications

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