1. Introduction to Mobile Payments
Servebase Global Card Solutions
Introduction to Mobile Payments
Servebase Global Card Solutions & Thyron Systems
Andrew Brooks
Business Development Director EMEA
And
Nigel Cullum
Sales & Marketing Manager

2. Agenda
Introduction – Servebase/Thyron Systems
The Mobile payments market
Current solutions
New developments

3. Background to Servebase
Established in 1986
An independent and self-financing business
Servebase solutions process 30 million transactions annually
Representing GBP 8 Billion in value
Company operating revenue (2004) GBP 3.2 million
Over 50 personnel servicing clients in 30 countries
Customer Service ‘help desk’ manned 24 hours per day 7 days per week 365 days per year
Est 1986 by current owner.
Processing in multiple currencies.
Revenue building year on year at excellent growth rate.
Field offices Ireland, Greece, Australia, Italy etc.
Cust service – real people behind real desks (no mobile phones)

4. Background to Thyron
Originally formed 1989 – New management 2002
Self financed and cash positive
Focus on providing hardware and software for “Secure Payments” and “Mobile Transaction Solutions”
Recognised leader in field of Mobile Payment Technology
Mastercard TQM certified
UK’s only independent manufacturer of payment terminals
40,000+ terminals in the UK
30+ people, 85% R and D, application development
Sub-contract manufacturing to UK and Far East

5. Market Sectors
Mobile Payments
Transportation
Hospitality

6. Thyron UK Strategic Partners
GPRS partners
Wireless-LAN partners
Card processing bureau Partner

7. MOBILE PAYMENTS MARKET…

8. What is a Mobile Merchant..?
“A trading entity that needs to accept credit or debit cards in locations where traditional telephone based communications are not accessible or available”

9. Mobile payment business sectors
Rent and fine collections (public and private sector)
Market traders
Call out charge collections / repair payments (utility companies)
Door to door deliveries
Airports/Railway station concourse (linked with Hot Spots)
Queue busting
Exhibition payment collections
Ticketing
Shopping centres
Contract caterers
Restaurants
Hotels, coffee shops etc.
Roadside rescue
Taxis

10. Types of Mobile Payment Solutions
Mobile – based on using wide area wireless technologies, GPRS, Paknet
Taxis
Market traders
Roadside rescue
Portable – based on using local area wireless technologies, WLAN, Bluetooth
Restaurants
Hotels
Coffee shops

11. Elements needed to carry out a “Mobile Transaction”
A portable, battery operated credit card payment terminal with wireless technology (Thyron MPT500 series)
A wireless connection to send and receive transactions from the terminal to the service bureau (GPRS/WLAN)
A managed service bureau from Servebase (Axis) to securely connect the transactions to the Banking networks

12. Mobile Payment Terminal
MPT500 Series
Mobile/Portable Card Transaction Terminal

13. PayCell® MPT 500 - Features
MPT500 Series:
Smallest footprint terminal of its type
Light – less than 525gms
Fully Chip and PIN certified
All wireless communications available
GPRS
WLAN
Bluetooth
All card types supported
Easy Load Printer
Long life battery technology
Charging Cradle
Integrates into tills and EPOS systems

14. GPRS/WLAN EPOS Link – to EPOS or cash register
Thyron MPT500
Cash register but could be a cash receipting system at a council payment desk
PC-EFT or Axis
solution
Bank

15. Benefits of a mobile payment solution
Take a payment anywhere, anytime
Chip and PIN to reduce fraud and charge-backs
Lower merchant service charges
Improved cash flow through faster payment collection
Fast transaction times (via Servebase)
Access to Servebase’s Flex management reporting tool for:
Simple and central reconciliation facilities
Improved management reporting
Secure web based access to transaction logs
Reduced communications costs (WLAN with ADSL)
Easy to install – low infrastructure costs
EPOS integration providing local reconciliation

16. NEW DEVELOPMENTS…

17. WiFi Chip & PIN Hotspot Solution

18. Who are The Cloud…? Europe's leading WiFi network provider
Over 6,000 hotspots across the UK
Experience in delivering complex WiFi solutions at:
Canary Wharf, Manchester United, BMW, Coffee Republic, Bullring shopping centre
The only carrier neutral network in the UK
Supporting over 25 service providers (BT Openzone, Skype, Vodafone etc)
Allows users with service provider or roaming WiFi accounts to log on to the internet.
Visitor Pay-as-you-Go service

19. WiFi Chip and PIN Hotspot Solution
Wireless Hotspot
PC-EFT or Axis
solution
MPT510 Terminal
Authorisation/Settlement
Bank

20. Benefits to the Merchant
Increases foot fall and dwell time at your location
Improved revenue opportunity for your site
Revenue Share Example
Monthly public access revenue share for the merchant, paid by The Cloud is 20% of service provider and 40% of PayGo revenues generated from the site
For every £4.50 PayGo voucher purchased on-line by a customer for an hours Internet access, a merchant can earn up to £1.47 per voucher after transaction costs and VAT e.g. If a merchant sells 20 vouchers per month you can expect to earn up to £29.44 which pays for the monthly ADSL subscription and support for one payment terminal.
Increased user flexibility
New market areas possible based on uptake on WiFi enabled consumer products (PDAs/phones/Sony PSP)

21. “MOBePOS”

22. Features
Bluetooth enabled GPRS terminal MPT500 (b)
Links to external Hand Held Computing terminals via Bluetooth
Uses GPRS connectivity to gain authorisation via Servebase Flex system
Simple API between Hand Held Computer and Terminal allows easy integration to existing applications without requiring Bank certification
Uses printer mechanism on MPT500 (b) to provide non card related receipt details (VAT receipts, delivery notes etc) – no need for separate printing mechanisms

23. Target markets
Logistics
Pay on Delivery
Rent and fine collection (public and private sector)
Travel and Transport
Mobile EPOS
Hospitality
Any Hand Held computing application that demands Chip and PIN

24. Summary
Mobile payments untapped market
Technology is available and in use today
Thyron/Servebase solutions provide flexibility for your specific business requirements
Enhanced services can improve customer experience and benefits
Face to face card payments have no barriers!

25. What do Servebase do?
Providers of card processing solutions for merchants, banks and processors globally
Enterprise software and hosted solutions
Multi-card, multi-currency, multi-merchant and multi-acquirer functionality within all solutions
Accredited by Visa, Mastercard, American Express, Diners International and JCB
EMV approved for chip and PIN

26. Introduction to Mobile Payments
Servebase Global Card Solutions
Introduction to Mobile Payments
Servebase Global Card Solutions & Thyron Systems
THANK YOU AND ANY QUESTIONS