Netcetera aims to expand its innovative payment solutions and become a leading provider in the DACH region. It offers 3-D Secure hosted services and an MPI. Netcetera also developed SwissWallet, a digital payment wallet available to 3 million cardholders in Switzerland, allowing e-commerce checkout with MasterPass and mobile contactless payments with MDES. Tellwa is a similar digital wallet solution for delivering card data, tokenization, and mobile payment capabilities to customers.

1. Netcetera Innovation Summit
The Past 12 Months – What’s New & Exciting
23. September 2016
Dr. Thomas Fromherz

2. Vision
“Against the backdrop of the digitization of the
payment processes, Netcetera aims to
continuously expand and enhance its innovative
payment solutions to become one of the important
solution providers in the DACH region.”

3. Payment & Card Services

4. 3-D Secure

5. Netcetera 3-D Secure Hosted Services
Since 2003

6. Benutzerfreundliche 2-Faktor-Authentisierung

7. Ausblick
Modell-basiertes Risk System
3DS 2.0

8. MPI

9. Netcetera 3DS MPI

10. Ausblick
3DS 2.0

11. SwissWallet
&
Tellwa

12. • Digital payment wallet for Switzerland
• Available to 3 million card holders of swisscard
and Aduno/Viseca (50% market share in CH)
• E-Commerce checkout with MasterPass
• Mobile contactless payment with MDES
• Integration with issuer mobile apps via SDK
• Issuer provisioned cards and seamless 3DS
• Integration with issuer's identity management
• www.swisswallet.ch
• A joint venture of
and the card issuers
by
Timeline
2013 Project started, whitepapers, broad scope, feasibility
studies
2014 Proof-of-concepts, governance, architecture, considering
MNOs, secure elements; focus on e-commerce and mobile
payment (NFC)
Early 2015 SwissWallet agreed with issuers Aduno/Viseca and
swisscard
May 2015 Starting development MasterPass e-commerce checkout
Nov 2015 General availability of MasterPass
2016 Achieved over 200'000 wallets
Starting development mobile contactless payment (HCE)
Later 2016 General availability of mobile contactless payment
Pairing, express checkout
On-boarding further banks/issuers
Planned Person-to-person payments, extensions to online payment
Evaluating Wearables, loyalty integration, digital loyalty cards

14. 1
2
3
Tellwa – New Digital Payments for Your Customers
Tellwa
Digital
Wallet
E-Commerce
Checkout
A better way to check out online
• No address entry
• No card details entry
• Use any card, tokenized, safer, trusted
Mobile
Contactless
Payment
A better way to pay in-store
• At all stores worldwide with
• Your wallet without the plastic
• All cards at hand, tokenized, safer, trusted

15. Deliver card data,
card art, preferences
1PAN
Validate card holder
login token
3
MyBank
Accounts 6,750.00
Recent Transactions
Ready to Pay
MCP: Setup, Tokenization, Replenishment & Payment
Mobile
Payment
SDK
Card Issuer
MyBank
MDES
MasterCard
VTS
Visa
Acquirer,
PSP
Tellwa Mobile
Contactless
Payment Service
Card Vault
Download &
Install app
1
Notify of new token
6
Device pairing, ex-
change crypto keys
4
Pick up new token
7
Request Trx Cred
1
Request
Trx Cred 2
Request
digitization
4
Card holder login, authentication, receive login token
2
Replenish Trx Cred
4
EMV payment
cryptogram
1
Request
digitization
3
Authorize,
de-tokenize
cryptogram
3
Enable NFC,
select app in tap &
pay settings,
select card in app
8
Receive
token5Receive
Trx Cred 3
Authentication
as needed
(PIN / fingerprint)
2
Normal settlement process6
5 Acceptance
Setup Mobile Payment
OAuth
Card Holder Auth.
Card Data
TAV calculation
Payment
Authori-
zation
4
PAN
Select card for digitization
2
Check
device

16. Ausblick
DSRP
Green Path Provisionierung

18. Netcetera GmbH