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CHARGE Anywhere ® End-to-End Solutions

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
It all Started with a BEEPER….

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade2
names
referenced in this material are the property of their respective owners.
TR39/ESO Audit

Level 1 & 2

M-POS List by MasterCard

M-TIP

1.
2.
3.
4.

PCI-PTS
PCI –PADSS AoV on each Operating System
PCI PA-QSA -3rd Party Qualified Security Assessor
PCI-DSS ROC
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
On the Air….

American
Airlines hands
Samsung
tablets to flight
attendants
Airline is
launching a new
mobile strategy

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
THE SOLUTION
CHARGE Anywhere® - Mobile Payment Application Ecosystem
Off-Line and On-Line
Mode – P2PE

Secure
Connection

Intent Filter Messages
1.
2.

Register Application
Process Transactions

Masked Data (logic) + Encrypted Data
No’s - CK Digit/Sum/BIN/Swipe/Exp. Date

3.

Encrypted Data
HTTPS

Encrypted Data
HTTPS

ComsGate®

Saved to DB
AES Encryption
DUKPT
3DES/AES

DUKPT
3DES/AES

Payment
Processor

Wireless
Networks

Close Flight/Upload

1. Transaction Throttling
2. TID Aggregation
3. Card Type MID Split

Internet

Management Reports API
Export Pull by Food
/Beverage Vendor

AA Core Systems
Daily Report

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
RBM / REDEBAN MULTICOLOR

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade6
names
referenced in this material are the property of their respective owners.
Who is RBM?
•
•
•
•
•
•
•
•

•

25 year-old Colombian company owned by the 12 more
important banks of Colombia.
A Financial Network and a Financial Solutions Integrator.
A MasterCard, Maestro and Others Principal Member, Processor
and Acquirer.
Colombian market Leader in electronic transactions processing
+211K affiliated merchants
+1,4 billion transactions supported a year.
+100.000 POS terminals
ISO 9001: 2008 and PCI 2.0 certified organization
SMART CARD ALIANCE and Mobey Forum member

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
CHALLENGES

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
COLOMBIA - CHALLENGES:
1. Large Unbanked Population
2. Cash Intensive
3. Non-Supportive Infrastructure in Place
COLOMBIA: E-Enabled Businesses
6%

POS-Enabled
Businessess

94%
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade9
names
referenced in this material are the property of their respective owners.
Colombia
= 3.2

10
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
Solution Goals
Target group

Retailer
C1
+2k
+ 1.5 million

Retailer
C2

Retailer
C3
RBMóvil: Common Merchant Types

Home Base Businesses/Services (Professionals)
Arts craft / Expo / Seminars
Multi-Level Organizations
Delivery & Transportation
Road Services
Stadiums / Live Events
Restaurants / Retailers (Safeguarding Sensitive Data)
Store-Traffic Management (Line-Busting)

Note: 3rd Party Applications/Developers
12
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
THE SOLUTION: RBMóvil payment solution, Powered by
Charge Anywhere

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
EMV Implementation Options

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective
owners. Image courtesy of Smart Card Alliance, SCALA White Paper (# FPC-11001), Published Date of August 2011.
Remote Key Injection Overview
5. Verify & Import
Encrypted KeyBlock onto the
Terminal

4. Transmit
Encrypted KeyBlock & IKSN onto
the Phone

Keysign-main-user
(PSP) Key

Remote Key Injection Overview
Key Signing
(CA) Key

Signed by
1. Obtain
Certificate Tree &
IKSN from Terminal

Pro-sign
Key

Signed by

Signed by

HSM Key

2. Verify Certificate

Terminal Key

Tree (Gateway)

Signed by
Signed by

Terminal Master Key
Used as TR31
Key-Block-Protection-Key

MAC’ed by

Temp Key
Loading Key

Encrypted by

Initial DUKPT Key
In TR31 Key-Block

3. Generate Encrypted
Key-Block for Terminal
(Gateway)
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.

RSA public/private
Key pair (2048 bit)
3-DES key
Private key controlled
by Manufacturer
Private key in terminal
Private Key controlled
by PSP / Acquirer

16
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
PIN Translation
Terminal
DUKPT Encrypted PIN Block & KSN
DUKPT Encrypted Account Data & KSN

DUKPT Encrypted PIN Block & KSN
PSP
ZPK1 Encrypted PIN Block
DUKPT Encrypted Account Data & KSN
Server
ZPK1 Encrypted PIN Block
Account Data

Account Data
ZPK1 Encrypted PIN Block
Acquirer
ZPK2 Encrypted PIN Block
OR
ZPK3 Encrypted PIN Block

ZPK2 Encrypted PIN Block
Account Data

ZPK3 Encrypted PIN Block
Account Data

©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
©2013 CHARGE Anywhere, LLC. All trademarks,

17
service marks, and trade names
referenced in this material are the property of their respective owners.
THE SOLUTION: RBMóvil - Payment Ecosystem

Powered by CHARGE Anywhere® - RBM ® Mobile Payment Ecosystem
Transferrable Licenses
SDL, QA

Wireless
Networks

Encrypted Data
HTTPS

Audio Jack Swiper

ComsGate®

Saved to DB
AES Encryption
DUKPT
3DES/AES

DUKPT
3DES/AES

•Device, Network & Processor Neutral
•PCI-DSS Level 1 Security Validated
•Level 1, 2 & 3 Purchase Card Data
•100% Compromise Free

Secure
Connection
Frame, T1, MPLS, V
PN
Backup ISDN, Dials, VPNs

256 AES
No CVV, PIN Block, Key SN
Reply w/out Sensitive Data

Integrated Apps &
Virtual Terminals

Firewall, Access Control List
Robust Intrusion Detection
Monthly Vulnerability Scan
Yearly Penetration Testing
Audit Logs & Trails
Proprietary Server Application +
Client Certificate
Gateway Key: Yearly
Rotation, KEK, Secure Deletion

Transaction
Processor

Management Reports

Internet

18
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
RBMóvil: General Benefits for Acquiring Banks
Greater Market Penetration – Higher Revenues, Operational Efficiencies Lower Costs and Lower Attrition.
More Merchants on Remote Places
Better Local Product Offerings (Better End-to-End Technology for Different
Industry Types)
Lower Cost of Maintenance & Servicing Established Merchants
Lower Transaction Risk (End-to-End), Improved Fraud Management and
Chargeback related retrieval requests/dispute resolution procedures
Better Web-Based POS Management (Better Pre-Post Deployment Experience)
Better Transactional Reporting (Live)
Highest Level of Platform Independence (Better Control of the Full Ecosystem)
Better Local Support Services (Carrier Direct/Indirect Assistance)

Supports Relationship Selling
Better General Front-End Pricing / Lower Cost Structure
Gain point of Differentiation from Competitors
Fight Competitive Pressures (Loss of Payments Volume & Revenues to 3rd Parties)

** While supporting Financial Inclusion Efforts, assisting the fight
against “CASH,” and providing Better Security for©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
all within the
19
service delivery chain.
referenced in this material are the property of their respective owners.
RBMóvil: General Benefits for TELCOs

Greater Market Penetration – Higher Revenues, Operational Efficiencies - Lower
Costs and Lower Attrition
More Business Customers / Access to New Customer Segment (Phone is now the
POS)
Better Local Product Offerings (Better End-to-End Technology for Different Industry
Types / Value Added Apps = More Stickiness..)
Required Data Plan / New Hardware Sales = Higher ARPU
Phone is Now Mission Critical to the Business = Lower Attrition
Supports Relationship Selling with Clients at the Different Service Delivery Chain:
Merchants, Consumers, Banks and General Institutions reaching them all…
Gain point of Differentiation from Competitors

20
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
RBMovil Powered by CHARGE Anywhere: MWC
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.
Lessons Learned
•

Bridging the Gap between the financial and mobile worlds

• Balance between usability, massive adoption, security and
flexibility
•

Building a good strategic partnership. Standard Vendor-Client relationships do not fit the model for
Strategic Growth

• Use the same platform for multiple purposes
• Having multiple peripherals to cover for multiple merchant segments and needs
• Ability to use the existing POS systems or infrastructure

• Adapting to new processes, cultural change
by the use of digital signature devices and e-mailing receipts
• User training while adopting the technology
RBMovil Powered by CHARGE Anywhere: MWC
Contact Information
Oscar Muñoz
Executive Vice President
Senior Vice President,

International Business Development
800.211.1256 x137
omunoz@chargeanywhere.com
www.chargeanywhere.com

Q&A / Preguntas?

CHARGE Anywhere ®
Empowering Payments ®

26
©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names
referenced in this material are the property of their respective owners.

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RBMovil Powered by CHARGE Anywhere: MWC

  • 1. CHARGE Anywhere ® End-to-End Solutions ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 2. It all Started with a BEEPER…. ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade2 names referenced in this material are the property of their respective owners.
  • 3. TR39/ESO Audit Level 1 & 2 M-POS List by MasterCard M-TIP 1. 2. 3. 4. PCI-PTS PCI –PADSS AoV on each Operating System PCI PA-QSA -3rd Party Qualified Security Assessor PCI-DSS ROC ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 4. On the Air…. American Airlines hands Samsung tablets to flight attendants Airline is launching a new mobile strategy ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 5. THE SOLUTION CHARGE Anywhere® - Mobile Payment Application Ecosystem Off-Line and On-Line Mode – P2PE Secure Connection Intent Filter Messages 1. 2. Register Application Process Transactions Masked Data (logic) + Encrypted Data No’s - CK Digit/Sum/BIN/Swipe/Exp. Date 3. Encrypted Data HTTPS Encrypted Data HTTPS ComsGate® Saved to DB AES Encryption DUKPT 3DES/AES DUKPT 3DES/AES Payment Processor Wireless Networks Close Flight/Upload 1. Transaction Throttling 2. TID Aggregation 3. Card Type MID Split Internet Management Reports API Export Pull by Food /Beverage Vendor AA Core Systems Daily Report ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 6. RBM / REDEBAN MULTICOLOR ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade6 names referenced in this material are the property of their respective owners.
  • 7. Who is RBM? • • • • • • • • • 25 year-old Colombian company owned by the 12 more important banks of Colombia. A Financial Network and a Financial Solutions Integrator. A MasterCard, Maestro and Others Principal Member, Processor and Acquirer. Colombian market Leader in electronic transactions processing +211K affiliated merchants +1,4 billion transactions supported a year. +100.000 POS terminals ISO 9001: 2008 and PCI 2.0 certified organization SMART CARD ALIANCE and Mobey Forum member ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 8. CHALLENGES ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 9. COLOMBIA - CHALLENGES: 1. Large Unbanked Population 2. Cash Intensive 3. Non-Supportive Infrastructure in Place COLOMBIA: E-Enabled Businesses 6% POS-Enabled Businessess 94% ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade9 names referenced in this material are the property of their respective owners.
  • 10. Colombia = 3.2 10 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 11. Solution Goals Target group Retailer C1 +2k + 1.5 million Retailer C2 Retailer C3
  • 12. RBMóvil: Common Merchant Types Home Base Businesses/Services (Professionals) Arts craft / Expo / Seminars Multi-Level Organizations Delivery & Transportation Road Services Stadiums / Live Events Restaurants / Retailers (Safeguarding Sensitive Data) Store-Traffic Management (Line-Busting) Note: 3rd Party Applications/Developers 12 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 13. THE SOLUTION: RBMóvil payment solution, Powered by Charge Anywhere ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 14. EMV Implementation Options ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. Image courtesy of Smart Card Alliance, SCALA White Paper (# FPC-11001), Published Date of August 2011.
  • 16. 5. Verify & Import Encrypted KeyBlock onto the Terminal 4. Transmit Encrypted KeyBlock & IKSN onto the Phone Keysign-main-user (PSP) Key Remote Key Injection Overview Key Signing (CA) Key Signed by 1. Obtain Certificate Tree & IKSN from Terminal Pro-sign Key Signed by Signed by HSM Key 2. Verify Certificate Terminal Key Tree (Gateway) Signed by Signed by Terminal Master Key Used as TR31 Key-Block-Protection-Key MAC’ed by Temp Key Loading Key Encrypted by Initial DUKPT Key In TR31 Key-Block 3. Generate Encrypted Key-Block for Terminal (Gateway) ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. RSA public/private Key pair (2048 bit) 3-DES key Private key controlled by Manufacturer Private key in terminal Private Key controlled by PSP / Acquirer 16 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 17. PIN Translation Terminal DUKPT Encrypted PIN Block & KSN DUKPT Encrypted Account Data & KSN DUKPT Encrypted PIN Block & KSN PSP ZPK1 Encrypted PIN Block DUKPT Encrypted Account Data & KSN Server ZPK1 Encrypted PIN Block Account Data Account Data ZPK1 Encrypted PIN Block Acquirer ZPK2 Encrypted PIN Block OR ZPK3 Encrypted PIN Block ZPK2 Encrypted PIN Block Account Data ZPK3 Encrypted PIN Block Account Data ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. ©2013 CHARGE Anywhere, LLC. All trademarks, 17 service marks, and trade names referenced in this material are the property of their respective owners.
  • 18. THE SOLUTION: RBMóvil - Payment Ecosystem Powered by CHARGE Anywhere® - RBM ® Mobile Payment Ecosystem Transferrable Licenses SDL, QA Wireless Networks Encrypted Data HTTPS Audio Jack Swiper ComsGate® Saved to DB AES Encryption DUKPT 3DES/AES DUKPT 3DES/AES •Device, Network & Processor Neutral •PCI-DSS Level 1 Security Validated •Level 1, 2 & 3 Purchase Card Data •100% Compromise Free Secure Connection Frame, T1, MPLS, V PN Backup ISDN, Dials, VPNs 256 AES No CVV, PIN Block, Key SN Reply w/out Sensitive Data Integrated Apps & Virtual Terminals Firewall, Access Control List Robust Intrusion Detection Monthly Vulnerability Scan Yearly Penetration Testing Audit Logs & Trails Proprietary Server Application + Client Certificate Gateway Key: Yearly Rotation, KEK, Secure Deletion Transaction Processor Management Reports Internet 18 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 19. RBMóvil: General Benefits for Acquiring Banks Greater Market Penetration – Higher Revenues, Operational Efficiencies Lower Costs and Lower Attrition. More Merchants on Remote Places Better Local Product Offerings (Better End-to-End Technology for Different Industry Types) Lower Cost of Maintenance & Servicing Established Merchants Lower Transaction Risk (End-to-End), Improved Fraud Management and Chargeback related retrieval requests/dispute resolution procedures Better Web-Based POS Management (Better Pre-Post Deployment Experience) Better Transactional Reporting (Live) Highest Level of Platform Independence (Better Control of the Full Ecosystem) Better Local Support Services (Carrier Direct/Indirect Assistance) Supports Relationship Selling Better General Front-End Pricing / Lower Cost Structure Gain point of Differentiation from Competitors Fight Competitive Pressures (Loss of Payments Volume & Revenues to 3rd Parties) ** While supporting Financial Inclusion Efforts, assisting the fight against “CASH,” and providing Better Security for©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names all within the 19 service delivery chain. referenced in this material are the property of their respective owners.
  • 20. RBMóvil: General Benefits for TELCOs Greater Market Penetration – Higher Revenues, Operational Efficiencies - Lower Costs and Lower Attrition More Business Customers / Access to New Customer Segment (Phone is now the POS) Better Local Product Offerings (Better End-to-End Technology for Different Industry Types / Value Added Apps = More Stickiness..) Required Data Plan / New Hardware Sales = Higher ARPU Phone is Now Mission Critical to the Business = Lower Attrition Supports Relationship Selling with Clients at the Different Service Delivery Chain: Merchants, Consumers, Banks and General Institutions reaching them all… Gain point of Differentiation from Competitors 20 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 22. ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 23. ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.
  • 24. Lessons Learned • Bridging the Gap between the financial and mobile worlds • Balance between usability, massive adoption, security and flexibility • Building a good strategic partnership. Standard Vendor-Client relationships do not fit the model for Strategic Growth • Use the same platform for multiple purposes • Having multiple peripherals to cover for multiple merchant segments and needs • Ability to use the existing POS systems or infrastructure • Adapting to new processes, cultural change by the use of digital signature devices and e-mailing receipts • User training while adopting the technology
  • 26. Contact Information Oscar Muñoz Executive Vice President Senior Vice President, International Business Development 800.211.1256 x137 omunoz@chargeanywhere.com www.chargeanywhere.com Q&A / Preguntas? CHARGE Anywhere ® Empowering Payments ® 26 ©2013 CHARGE Anywhere, LLC. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.