1. Panel: Mobile Payment - Challenges and Directions for Global Services András Vilmos Project Manager SEMOPS Managing Director SafePay Systems Ltd. vilmos@safepaysys.com

2. 2Agenda SEMOPS Market analysis The right service The future

3. 3 The SEMOPS project Development and introduction of a Pan European payment service – technology design – technical development – elaboration of standards – definition of security framework – preparation of EU conform legal regulation – definition of business model Introduction of the service – pilot operation Hungary, Greece – preparation of other demonstration sites One of the largest mobile payment projects: – 24 months – 4 countries – 15 participants

4. 4Environment There is no suitable payment service!. What there is, is either: not user friendly not secure not recognized Customers are distrustful. Assortment is limited. SLOW DEVELOPMENT OF E AND M COMMERCE. THE RIGHT SERVICE CAN SUBSTANTIALLY CHANGE THE OUTLOOK OF THE INDUSTRY. New products and services will be available. New customers will be making purchases. New transaction types will appear.

5. 5 The SEMOPS SafePay model Cooperative - open Universal Standardized Decentralized Real time Account based Secure User friendly micro-mini-macromobile-internetproximity-remotedomestic-international anyone, anything, anytime, anywhere many banks many MNOs end-to-end full automation real time processing no centralized registration, no centralized authorization bank account, MNO account technology,processes,rules, business concept anonymity, guaranteed payment, trusted partner, complex protection, PKI. personalization, simple menus,

6. 6 One service fits all! PROMPT VALUE DAY VARIETY OF PAYMENT METHODS PROMPT VALUE DAY CONVERSION REFUND DEFERRED ESCROW mobile internet channel POS P2P B2C B2B P2M transaction type MICRO MINI MACRO transaction value domestic international geographic coverage UNIVERSAL APPLICATION BANK OPERATOR INDEPENDENCE BANK OPERATOR SIMCARD PLATFORM NETWORK HANDSET BROWSER TRANSPORT LAYER

7. 7 Customer Merchant Product Sales channel Ring tone, tickets, MBPP mobile (WAP, SMS, USSD) Peer-to Peer payment mobile personal Physical products personal (IrDA,BT) Internet Digital content, physical products, EBPP POS The future payment transactions

8. 8 Thank You! András Vilmos SEMOPS vilmos@safepaysys.com