1. Innovative Secure Payment Solutions John QIAN Senior Manager March, 2014 1

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

3. Online and Mobile Security Risks 3

4. 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 2013 4

5. 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 http://www.juniperresearch.com/viewpressrelease.php?pr=356 Mobile Payment transactions is projected to reach $650 billion by 2014 5

6. PKI based USB Tokens 6

7. 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

8. Ultimate protection: Human Interactive Peripheral Bank 8

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

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

11. Secure Payment Case Studies 11

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

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

14. 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

15. 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

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

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

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

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

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

21. 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

22. 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

23. Thank You 23