Worldline - Registration Document 2016

Business The Group’s business

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 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 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. 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, 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 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, 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 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. 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 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 2.2 million authentications in December 2016; processed for our clients increased four-fold in 2016 to reach 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

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Worldline 2016 Registration Document