1. Communications Systems (66.77)
9th P.W. Digital Wallets
2013 - F.I.U.B.A - Argentine
CarisimoCarisimo Esteban - 91829Esteban - 91829
Massaccesi Diego – 92469Massaccesi Diego – 92469
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2. Introduction: Mobile payment
It refers toIt refers to services that allows financial transactionsservices that allows financial transactions
through mobile devices.through mobile devices.
Advantages and features are different depending onAdvantages and features are different depending on
the company providing the service:the company providing the service:
•Financial InstitutionsFinancial Institutions
•Alliances between different types of companiesAlliances between different types of companies
•Telecommunications businessTelecommunications business
•Personal credit cards.Personal credit cards.
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3. Application
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4. Application
4
•Money transfers.Money transfers.
•Shopping.Shopping.
•Mobile payments instead of using cash.Mobile payments instead of using cash.
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5. NFC Technology
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6. NFC Technology: Providers
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7. Services / Applications
•Google walletGoogle wallet
•TubilleteraDigitalTubilleteraDigital
•Momo pocketMomo pocket
•tPagotPago
•BlockChainBlockChain
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8. TuBilleteraDigital
Is a mobile payment service in Argentina that allowsIs a mobile payment service in Argentina that allows
transfers and operations with banks trough texttransfers and operations with banks trough text
messages. It also has a web portal that is integratedmessages. It also has a web portal that is integrated
with a rechargeable cardwith a rechargeable card
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9. Bitcoins
•Electronic money.Electronic money.
•Bitcoin is relatively a new project that is inBitcoin is relatively a new project that is in
progressprogress ..
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10. Bitcoins
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11. This application store information of:This application store information of:
Credit CardsCredit Cards
Debit CardsDebit Cards
Loyalty or Points CardsLoyalty or Points Cards
Prepaid CardsPrepaid Cards
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12. Launch day: 19 September 2011Launch day: 19 September 2011
Communication link: NFCCommunication link: NFC
Now a days only available under Android. FutureNow a days only available under Android. Future
expansion to RIM and iOSexpansion to RIM and iOS
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13. Only in USA Google Wallet can be used as a mobileOnly in USA Google Wallet can be used as a mobile
payment. In other countries it is available as an onlinepayment. In other countries it is available as an online
paymentpayment
Users: Around 100,000 but small percentage really use itUsers: Around 100,000 but small percentage really use it
Where can be Used? In 200,000 shops across the USAWhere can be Used? In 200,000 shops across the USA
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14. Security:Security:
Any credit card data is stored at the deviceAny credit card data is stored at the device
The app is just a key to access to the server informationThe app is just a key to access to the server information
Avoid rip-off with stolen cardsAvoid rip-off with stolen cards
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15. How Google gets an income from this service?How Google gets an income from this service?
Like other payment services Google also get a littleLike other payment services Google also get a little
percentage of the final costpercentage of the final cost
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Monthly sales under
$3,000
2.9% + $0.30 per
transaction
$3,000 - $9,999.99 2.5% + $0.30
$10,000 - $99,999.99 2.2% + $0.30
$100,000 or more 1.9% + $0.30

16. Other Digital Wallets
There are different kind of wallets, some can storeThere are different kind of wallets, some can store
credit cards and other can't manage money but cancredit cards and other can't manage money but can
store coupons. For example:store coupons. For example:
Apple's PasbookApple's Pasbook
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17. Info on-line [July 2013]Info on-line [July 2013]
• www.puromarketing.com/12/12491/tecnologia-www.puromarketing.com/12/12491/tecnologia-
pagos-moviles-adoptara-masivamente-periodo.htmlpagos-moviles-adoptara-masivamente-periodo.html
• www.blockchain.info/wallet/iphone-appwww.blockchain.info/wallet/iphone-app
• www.bitcoin.org/bitcoin.pdfwww.bitcoin.org/bitcoin.pdf
• www.www.tubilleteradigital.comwww.www.tubilleteradigital.com
• www.ieco.clarin.com/tecnologiawww.ieco.clarin.com/tecnologia
• www.google.com/walletwww.google.com/wallet
• www.momopocket.comwww.momopocket.com
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