Innovative Secure Payment Solutions John QIAN Senior Manager March,

Online and mobile security risks PKI based USB token Secure payment case studies Outline 2

Online and Mobile Security Risks 3

Man In the Middle Attacks Trojan Horses Attacks Real-time Transaction Manipulation Social Engineering Phishing sites Online Security Risks Cybercrime and espionage could be costing the world between $70 billion (£46 billion) and $400 billion a year from a total global economy of $70 trillion, a new estimate by the Center for Stategic and International Studies (CSIS) has calculated. Source McAfee, July

High Virus Susceptibility Lost and Theft Unsecured communication Remote Access Tools (RAT) Mobile Security Risks JuniperResearch: Mobile Banking Users to Exceed 1 billion in 2017, Representing 15% of Global Mobile Subscribers Mobile Payment transactions is projected to reach $650 billion by

PKI based USB Tokens 6

PKI Based USB Tokens 1 st Gen USB Token 1 st Gen USB Token 2 nd. Gen. USB Token 2 nd. Gen. USB Token 1.5 Gen USB Token 1.5 Gen USB Token No display, No interactive element Always connected to host PC A switch to trigger transaction signing HIP: Sign what you see 7

Ultimate protection: Human Interactive Peripheral Bank 8

Sonic Encoding Communication USB Token SEC: Sonic Encoding Communication IC Card Reader 9

Cross-platform applications extensions Any payment media, anyplace, anytime 3 rd Generation PKI USB Token 10

Secure Payment Case Studies 11

Mobile Payment Case Studies TV Shopping Vending E-commerce POS Bank 12

Mobile Payment Case Studies TV Shopping Vending E-commerce POS Bank 13

No external driver required Compatible across browsers: IE, Chrome, Safari etc. Security: HIP PKI Usability: easy to use Case Study 1: Online Payment Payment App Bank 14

No POS terminal deployment cost Volume or service fee based to save cost Payment Info is cycled within completely safe computing env. Case Study 2: Low Cost SME Payments Payment App POS Terminal Bank 15

Multimedia Case Study 3: Multimedia Payments Payment App Bank Vending Machines TV Shopping 16

Online generated receipts for offline payment Case Study 4: Online to Offline (O2O) Payment App BankPOS 17

Receipt has QR code to feed payment app Case Study 5: Receipt Based QR Code Payment Payment App BankQR Receipt 18

Support IC Card devices Universal payment App that can handle all payments Case Study 6: Universal Payment App Payment App Bank All Sources 19

Flexible sources: NFC & QR Code Latest mobile technology: HIP, SEC & QR Code Universal payment App Different shopping experience Innovative Mobile Payment Demo System 20

2nd GEN PKI USB Token offers ultimate transaction protection SEC technologies drives mobile payment solutions QR Code authorizing system opens doors for all cross platform transactions and give rise to 3rd GEN PKI USB Token Conclusions 21

A leader in online-banking security, PKI/OTP tokens, smartcards and mobile payment solutions. The first to propose the concept of human-interface peripheral, pioneered the development of 2nd Generation PKI tokens No.1 Banking Solution Supplier in China Awards: Deloitte Technology Fast 500 Asia Pacific Company in 2011, 2012 Deloitte Technology Fast 50 China Company in 2011, 2012 Tendyron Corporation 22

Thank You 23