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Innovative Secure Payment Solutions

Innovative Secure Payment Solutions. John QIAN Senior Manager March, 2014. Outline. Online and mobile security risks PKI based USB token Secure payment case studies. Online and Mobile Security Risks. Online Security Risks. Man In the Middle Attacks Trojan Horses Attacks

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Innovative Secure Payment Solutions

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

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

  3. Online and Mobile Security Risks

  4. Online Security Risks • Man In the Middle Attacks • Trojan Horses Attacks • Real-time Transaction Manipulation • Social Engineering • Phishing sites 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

  5. Mobile Security Risks • High Virus Susceptibility • Lost and Theft • Unsecured communication • Remote Access Tools (RAT) • 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

  6. PKI based USB Tokens

  7. PKI Based USB Tokens No display, No interactive elementAlways connected to host PC 1st Gen USB Token A switch to trigger transaction signing 1.5 Gen USB Token HIP: Sign what you see 2nd. Gen. USB Token

  8. Ultimate protection: Human Interactive Peripheral Bank

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

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

  11. Secure Payment Case Studies

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

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

  14. Case Study 1: Online Payment • No external driver required • Compatible across browsers: IE, Chrome, Safari etc. • Security: HIP PKI • Usability: easy to use Bank Payment App

  15. Case Study 2: Low Cost SME Payments • No POS terminal deployment cost • Volume or service fee based to save cost • Payment Info is cycled within completely safe computing env. POS Terminal Bank Payment App

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

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

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

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

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

  21. Conclusions • 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

  22. Tendyron Corporation • 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

  23. Thank You

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