12.master Card E-Business Solutions - Mark Patrick

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Mark Patrick

Vice President, E-business Solutions,


APMEA

MasterCard E-business
Solutions

Vietnam E-business Forum, Hanoi, 2007


MasterCard
SecureCode
Protecting Consumers and Merchants
E-Commerce Market Challenges

Consumers
• 70% of consumers surveyed by
MasterCard say they are concerned
with security and fraud issues.
• 31% of consumers are concerned that
their credit card details will be
intercepted by hackers
• 73% of consumers stated that
enhanced security would influence their
decision to purchase online

July 29, 2009 Presentation Title


E-Commerce Market Challenges

Merchants and Acquirers


• No guarantee of payment for merchant
– 60% of e-commerce chargebacks are “cardholder
unauthorized” (cardholder denies making
transaction)
– Bears all risk for non-signature based transactions
– Online fraud losses mounting

• Lack of consistent mechanism to


authenticate the buyer to the seller
– Address Verification Service
– CVC2/CVV2
– Manual scoring

July 29, 2009 Presentation Title


MasterCard SecureCode

MasterCard SecureCode is
MasterCard’s consumer and
merchant facing program
name/identifier for our guaranteed
payment solutions
MasterCard SecureCode offers issuers flexibility with
choice of authentication technology

Leverages 3D Secure Protocol

MasterCard SecureCode accommodates MasterCard


credit and debit including Maestro

5
SecureCode Merchant Adoption

SecureCode Registered Merchant


125,000
119,224 119,224
120,000
111,105
115,000
108,306
110,000
105,719
105,000

100,000

95,000
Aug 06 Sep 06 Oct 06 Nov 06 Dec 06

6
MasterCard
Gateway
Service
Remote Payments made easy
MasterCard Gateway Services (MiGS)

MiGS is a value-added Payment Gateway service from


MasterCard designed to enhance the services and profits of our
customers.

MiGS provides an attractive outsourcing proposition to Acquirers,


Payment Service Providers and Merchants wishing to provide
secure payment processing services.

Card types supported


– MasterCard, Visa, Amex, Diners and JCB

Merchant Channels supported


– E-Commerce

– Call Center/MOTO

– Mobile Commerce 8
MiGS Customers

• Acquiring Banks
• Payment Service Providers

• Industry Solution Partners

• Pan-Regional Merchants

• POS Vendors
MiGS Acquiring Bank Customers
Australia/NZ Egypt Indonesia Maldives Sri Lanka
• ANZ • AAIB • BII • HSBC • HSBC
• Bendigo • CIB Jordan Mauritius UAE
• NBE • ICC
• BOQ • MCB • CBD
• CBA HongKong Kuwait • Network Intl.
Oman
• NAB • BOCI • Burgen Bank • Muscat • Mashreq Bank
• NBNZ • Dah Sing • KFH
Philippines
• Pulse
• HSBC • NBK
• BPI
Vietnam
• StanChart
• WestPac Lebanon • HSBC • Vietcombank
• Wing Lung • Bank Audi
Bangledesh India Qatar
• StanChart Malaysia • QNB
• BOBCard
• Bank Islam
Brunei • BOP Saudi
• EON
• HSBC • CitiBank • NCB
• HSBC
• ICICI Singapore
Caribbean • RHB
• StanChart • DBS
• FCB • UOB
• UTI • HSBC

10
MiGS Payment Service Providers

• Navitaire • Dialect Merchant


• Solitec Services
• Lufthansa Systems• Network
• GCX International
• Travelex • Bill to Bill
• OnePay Online Services
• eNett
• Program DNA
• TransinfoTech

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MiGS Key Merchant Customers

Airlines

• Asia Spirit • JetStar Australia • Royal Brunei Air

• Cebu Pacific • Kuwait Air • Singapore Air

• Egypt Air • King Island Air • Sky Express

• Emirates Airlines • LIAT • Virgin Blue

• Etihad Airways • Middle East Air • Pacific


• Indigo Airlines • Oasis Airlines Airlines
• Jazeera Airways • Philippine Air

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Summary

• Established global credit card processing service

– 50+ major acquirers in 23 countries

– 40,000,000+ transactions per year and growing

– 3800+ merchants (21 Airlines)

• High availability, high capacity system

• Simple implementation

• Compliance with Scheme Fraud and Risk Management


requirements
Thank you.

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