/ / ( ) 1 VISA 25.8 ( 2013 24%) ( 64.5 1 ( OTI (On Track Innovations)) 8 / No.79 / 2014.07
55.9 54.8 53 ) ( ) ( ) ( ) 1. ( ) (1) ( ) End-to- End ( ) ( ) ( ) ( PayPass Paywave Jspeedy) (FISC II) (2) / NFC (Near Field Communication) ( ) NFC TSM www.fisc.com.tw 9
TSM ( ) TSM (Security Policy) TSM NFC (Security Domain) ( 78 ) 2. ( ) (1) ( ) EMV ( ) FISC II ( ) (2) GPRS 3G (3) A. WEB ATM/POS (FISC II) (Web ATM/ POS) Smart Pay B. mpos (mpos Mobile Point of Sale) POS mpos EMV PCIDSS (Payment Card Industry Data Security Standard) mpos ( Point to Point Encryption (P2PE) Zone ) P2PE Zone ( 2 ) (HSM Hardware Security Module) P2PE Zone PCI PIN Security P2PE Zone 10 / No.79 / 2014.07
2 P2PE Zone ( Thales e-security) ( ) 1. (1) 3D Secure 3D (Domain) 3D Secure ( 3D Secure 3 ) ACS (Access Control Server) (MPI Merchant Plug-In) (DS Directory Service) 3D Secure ACS (CAVV Cardholder Authentication Verification Value) 3 3D Secure ( VISA ) www.fisc.com.tw 11
3D Secure 3D Secure 3D Secure (Dynamic Authentication 4 ) (OTP One Time Password) (Token) 3D Secure 3D Secure ( ) 4 3D Secure (Dynamic Authentication) ( ) (2) (CVV2 Card Verification Value 2) ( VISA V.me) / 12 / No.79 / 2014.07
(3) (Token) MasterCard Visa American Express Token Token Token Visa Payment Tokenization ( 16 ) BIN Number Payment Tokenization Payment Tokenization QR Code Payment Tokenization Token Token Request Token Authorization A. Token Request Process (PAN Primary Account Number) Token (Visa Token Service) VISA Token Token B. Token Authorization Process Token Visa Token Service Token Token (online/nfc ) ( / ) Token 2. (1) ( ) www.fisc.com.tw 13
(2) (3) ( ) ( ) 15 ( ) pockii e Mega epay ( ) ATM pockii ( ) ATM ( ) ATM ATM ATM 2.3%( ATM ) 2,000 5 380 ( ) 1.99% 2~2.5% 1,000 0.5% 10 25 30 10 15 pockii e 14 / No.79 / 2014.07
(4) 2013 11 18 (Jetco Joint Electronic Teller Services Limited) OTI (On Track Innovations) Wave OTI Wave (Standalone Mode) (Connected Mode) 5 A. APP B. (HTML 5) C. (Hybrid) APP / UICC (Universal Integrated Circuit Card) 5 ( CorFire ) www.fisc.com.tw 15
(5) QR Code ( ) O2O (Online To Offline) QR Code (Quick Response Code) 3 QR Code ( 7,089 4,296 ) QR Code QR Code DM QR Code APP QR Code A. APP QR Code B. APP QR Code QR Code QR Code (QR Code) Tesco (Homeplus) App QR Code App (QR Code) QR Code QR Code QR Code QR Code (QR Code) (6) (BLE Bluetooth Low Energy) PayPal (Bluetooth v4.0 Bluetooth Smart) BLE Beacon ( ibeacons PayPal Beacon) 16 / No.79 / 2014.07
( ) Beacon App Beacon 6 7 6 BEACON ( www.news.com.au) 7 BEACON ( UL ) www.fisc.com.tw 17
Beacon (7) ( ) ( ) Natural Security ( 8 ) 2011 POC (Proof of Concept) 40 2-factor 9 8 ( Natural Security) 18 / No.79 / 2014.07
9 ( Natural Security) ( ) 2012 (Bank for International Settlements) (Innovations in retail payments) 4 (payer) (payee) (payer s PSP payer s Payment Service Provider) (payee s PSP) ( ) (POS ATMInternet ) ( ebay) ( PayPal) 10 10 ( BIS Innovations in retail payments) www.fisc.com.tw 19
( ) ( ) (The Internet of Things) ( RFID Zigbee ) (Machine To Machine) (IP address) ( ) NFC ( ) ( ) 1990 20 / No.79 / 2014.07
( ) O2O PSP TSM 10. (http //www.2cm.com.tw/) 11. (www.miit.gov.cn) 12. NFC 2013 13. SecureIDNews (http //secureidnews. com/) 14. (http //hk.crntt.com/) / 1. Bank for International Settlements, Innovations in retail payments, Committee on Payment and Settlement Systems, May 2012 2. VISA (www.visa.com) 3. MasterCard (www. mastercard.com) 4. ZigBee Alliance (http //www.zigbee. org/) 5. OTI (www.otiglobal.com) 6. Wikipedia (en.wikipedia.org) 7. (www.fisc.com.tw) 8. FIND (http //www.find.org.tw/find/ home.aspx) 9. Android (http //developer.android. com/index.html) www.fisc.com.tw 21