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6
Business
The Group’s business
55
Worldline
2016 Registration Document
ValueAdded Services for Card Issuers
In addition to the card issuance and processing services, the
value added services that help them reduce risk, accommodate
Group offers banks and financial institutions a wide range of
revenue. Key value added services include:
changing consumer preferences and generate additional
enter card information on the Internet or mobile. This also
the need to insert a payment card at a merchant location or
and merchants. Cloud-based wallets also enable issuing
makes the payment process more secure for consumers
typical credit card transactions. They can, for example,
banks to capture a richer stream of transaction data than
advertising (such as card linked offers) and other loyalty
generate additional revenue from higher value targeted
services that make use of such data.
services. A digital wallet is an application that simplifies the
Digital wallets.
The Group offers digital wallet platform
●
payment instruments credentials like debit card, bank
payment process, particularly on mobile devices, by storing
account and other data (loyalty, coupons, etc.), by removing
wallets, from the design, implementation and management
support the three major kinds of digital wallet offered today:
of digital wallets to payment processing. These services
The Group provides a full range of services to support digital
MasterPass, which store a user’s card data on servers “in
Cloud-based wallets, such as PayLib, BCMC Mobile and
●
face-to-face or on the internet, by identifying themselves
the cloud” and allow customers to easily pay for services
number) and authenticating. Cloud-based wallets can also
(for example through their email address or cell phone
be used at the point of sale via an application on a mobile
shown on a printed receipt, a bill, or a POS payment
device or by photographing a quick response (QR) code
that they permit merchants to accept payments from their
terminal. One important feature of cloud-based wallets is
specially-adapted terminals as is the case for NFC
current
terminals
without
having
to
acquire
technology,
approve transfers or authorize direct debits. For this, the
to a cloud-based wallet, OBeP allows a bank to offer a wide
Group offers the “validation service” solution. When linked
card payment authorizations) to its consumers,
range of payment methods (credit transfer, direct debit,
Online Banking Enabled Payments (OBeP) such as MyBank
●
online or mobile payments to their online banks to
or iDEAL make it possible to redirect consumers making
configuration and the transaction amount, payments using
devices to POS payment terminals. Depending on the
code or a fingerprint biometric challenge. An increasing
proximity payment wallets may require entry of a PIN
NFC technology, and many wallet mobile payments
number of mobile phones and POS terminals incorporate
solutions are being developed using this technology.
render card users’ card information accessible and usable
NFC wallets payments and digital enablement, which
●
communication (NFC), Bluetooth, or other technology to
from their mobile devices and uses near-field
transmit authorization information from users’ mobile
The Group has extensive experience in the European digital
processes transactions for the Bancontact/Mister Cash
wallet solutions sector. The Group designed, manages and
offers debit card person-to-person transfers and proximity
digital wallet solution in Belgium, a cloud-based wallet that
such as Société Générale and BNP Paribas integrate
payments using mobile devices, and has also helped banks
with BNP Paribas, Société Générale, Credit Agricole, Crédit
person-to-person payment services. The Group is working
the PayLib network, a cloud-based wallet solution designed
Mutuel and other banks in France to develop and extend
proximity payments;
primarily for internet purchases and now exploring NFC
Fraud Risk Management Services.
The Group offers
●
complemented by other services along the fraud risk
real-time
and
post-transaction
fraud
detection
creation and management of rules, the deployment of the
management value chain. These services include the
alerts. For fraud detection, these services analyze the nature
rules for alert creation and finally the operational handling of
data to help identifying suspicious transactions made with a
of a transaction, a customer’s behavior profile and other
payment device;
authentication services for access to Online Services or to
Authentication Services.
The Group offers strong
●
through the 3-D Secure architecture, which redirects the
enhance the security of internet transactions, such as
strong authentication tools also include the OTP (One Time
cardholder to the issuing bank’s authentication server. The
difficult for a person other than the cardholder to use the
Password) sent by SMS. This additional step makes it more
service is delivered to 66 banks worldwide. Trusted
card to make a payment, reducing the risk of fraud. This
2.2 million authentications in December
2016;
processed for our clients increased four-fold in 2016 to reach
Authentication is a strong authentication solution arising
strong authentication solution is simple to use and
from the Group’s research and development teams. This
cross-channel, online and offline functionality). It is currently
addresses consumers’ expectations (multi-device, omni- and
secure remote access to Online Services and payments,
used by French, Belgian and German banks to provide
more than 5 million mobile devices had been registered to
including on mobile devices and tablets. By the end of 2016
use this service and the number of strong authentication
specialized processing that give the bank’s cardholder
Card-Linked Offers (CLO).
The Group offers issuing banks
●
purchasing the products or services offered by certain
immediate benefits such as “cash back” discounts when
mining and retail marketing expertise. They generate
merchants. These “Cash Club” services are based on data
their payment history with merchants’ promotional offers;
personalized offers for cardholders by cross-referencing