Worldline - 2019 Universal Registration Document

WORLDLINE Description of the Group’s three Business Lines services

Digital Enablement Services The Group understands the challenges financial institutions face in adjusting to constantly changing digital requirements and it can support them with a comprehensive and future-proof digital payment portfolio. Key digital enablement services are digital wallets, token-based digital payments and person-to-person payments. Digital wallets. The Group offers digital wallet platform ● services. A digital wallet is an application that simplifies the payment process, particularly on mobile devices, by storing payment instrument credentials like debit card, bank account and other data (loyalty, coupons, etc.) and by removing the need to insert a payment card at a merchant location or enter card information on the Internet or mobile. This also makes the payment process more secure for consumers and merchants. Token-based digital payments. The Group offers a unified ● approach for token-based payments in stores, in-apps and on the web, for domestic and international payment schemes. The Group facilitates integration of Token Service Providers with issuer platforms (I-TSP), provides a token requestor platform for digital wallet providers (TR-TSP) and offers a Token Service Provider platform for payment schemes. Person-to-person payments (P2P). The Group provides a ● modular white-label mobile P2P solution, which can be customized to reflect the look and feel of the issuing bank. Various funding methods can be implemented based on customer demand. Through the P2P APIs, the service can also be integrated into an existing mobile banking app. The app is available for the most recent Android and iOS devices and can be extended to further platforms on request. The standard service can easily be enhanced with value-added services like payment requests (invite) or bill-sharing. The growing number of digital Financial Services provides users with immediate, universal access to services that meet their daily needs. However, this also entails risks; there has been an increase in fraud cases related to identity theft. Also, open banking creates new demands for strongly authenticating the customers. Faced with these threats and Identity, Trust & Authentication Solutions

regulatory requirements, the Group offers service providers and banks appropriate tools for securing their customer transactions and provides Strong Customer Authentication across all channels. Key solutions are Authentication Process Management, Trusted Authentication, Access Control Server, Mobile Intrusion Protection and Payment Modulator. Authentication Process Management. Providers of digital ● services face multiple security threats while having to maintain a positive user experience. This can result in various authentication methods and processes for different services. The Group’s Authentication Process Management solution provides a consistent authentication policy, allowing the same customer experience for each service and channel, while reducing the cost of strong authentication. Trusted Authentication. The Group has developed trusted ● authentication to secure any kind of online access in an intuitive, effective and user-friendly way. It automatically adapts to the context and the required security level. It offers different authentication methods, such as pin-entry, fingerprint, voice and face recognition. Access Control Server. The Group provides a PCI-DSS ● compliant solution that enables the implementation of the EMV 3-D Secure protocol and strong authentication for e/m-commerce. The solution has a rich panel of authentication methods and fraud prevention tools. It provides cardholders with a user-friendly interface and trusted authentication method. Additionally, the Group offers enhanced back-office tools and fraud prevention services for bank administrators and customer services. Mobile Intrusion Protection. The award-winning Mobile ● Intrusion Protection service provides local and remote protection of the mobile app, helping to reduce fraud from smartphones. It protects the mobile app and its data, at rest and during processing. Card Control. This is a solution that allows the cardholders ● to control the use of their payment cards as well as get information and set alerting rules on the actual usage. Cardholders are able to set the rules via mobile phone or on a web portal. Alerts are sent to the customer’s mobile phone via App notification. The cardholder can, for example, set the card limits, control use in a particular country, control use at certain merchant category.



Universal Registration Document 2019

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