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Turn Any App
INto a wallet
2
Turn any app into a wallet
Apps: the best brand connection
companies ever had with their customers
Most companies understand today
that having a branded mobile app
in a consumer’s smart phone is the
closest connection they will ever
have with their customers. With
the increased time spent on mobile
devices, companies who have a
mobile app on a consumer’s phone
are given a spotlight and opportunity
to connect like never before.
3
Turn any app into a wallet
Apps are the New ATM, Merchant Catalog
More and more, banks and merchants
look to their mobile apps as the
preferred low cost, high touch
channel of interaction with customers.
They are constantly adding functionality,
such as remote check deposit and
online orders, making these apps
even more convenient for users.
4
Turn any app into a wallet
But apps face major challenges
With 102 billion app downloads
last year and hundreds of millions
of apps available for users1
, there is
no secret that competition is fierce
in the world of apps. On average a
whopping 80% of mobile apps are
downloaded, used only once and
eventually deleted. This phenomenon
is true for most apps, free and paid, in
various degrees. Even well financed
apps from banks and retailers face
the prospect of many downloads
but poor usage.
Of apps are
used only
once and
then deleted2
1	http://www.gartner.com/newsroom/id/2592315
2	http://www.digitaltrends.com/mobile/16-percent-of-mobile-userstry-out-a-buggy-	
	app-more-than-twice/
80%
5
Turn any app into a wallet
How to protect your app from becoming obsolete?
The question facing
banks and merchants
today is how to keep
their apps relevant,
adding the functionality
consumers want and
keep them engaged.
Of apps are
used only
once and
then deleted
6
Turn any app into a wallet
Commerce: Payment and Loyalty Are Key
In the world of mobile apps, functionality is essential to make an app an indispensable
part of a consumer’s life. Different app categories focus on different functionality to
make them a repeat use tool for consumers. But if you are involved in commerce,
such as banks or merchants, payment and loyalty are the key functionalities.
7
Turn any app into a wallet
Turn your app into a wallet
Banks, merchants and other players involved in commerce have a lot to gain by
turning their apps into powerful repeat use mobile wallets for transactions in the
physical world. By turning their app into a wallet a bank or merchant can control
all aspects of consumer experience, end-to-end. Communication with consumer
can start at home, before they even leave for the store.
Bank Mobile
AccessMerchant
8
Turn any app into a wallet
Wallet apps can deliver an excellent shopping experience to consumers that
streamlines the checkout of consumers at stores. They can enable check-in
functionality via BLE, deliver personalized offers to consumers inside the stores and
allow consumers to make “one tap” mobile payments sending payment, coupons
and loyalty information to the merchant POS system in a single tap of a phone.
Mobile wallets provide killer user experience
9
Turn any app into a wallet
Add Loyalty, Coupons, Promotions
The apps can also provide
convenience and savings to
hook consumers into the app.
Consumers no longer have
to clip coupons, carry loyalty
cards or bring catalogs to
store. Everything can be in the
app and synchronized with the
wallet for easy redemption at
the point of sale.
20% Promotion: Just for you!
For our loyal customer!
BOGO knit sweaters today only!
Up To 40% Off!
Welcome!
10
Turn any app into a wallet
Android Ecosystem is Ready with HCE & NFC Support!
HCE Support Expected in 85% of
Smart Phones
Host Card Emulation (HCE) technology, introduced into the KitKat version of
Android allows banks and merchants to control their mobile payment experience
through their own apps without 3rd party permission.
11.7%
iOS
2.5%
Microsoft
0.5%
Blackberry
84.7%
Android
Smart phone shipments per OS platform
Q2 2014 - Source: IDC
320 Millionphones will be shipped with NFC
technology in 2014 – the great
majority Android OS
11
Turn any app into a wallet
How does it work – the Issuer experience
1. Issue digital cards to
SE or from Cloud
2. Use APIs and turn
banking app into wallet
3. Distribute cards to
trusted apps
Your card everywhere Control branding and
customer experience
Increase wallet share
and card usage
Banking App
APIs
Retailer
App
MNO
App
Access Control
App
Credit Debit Prepaid
APIs
12
Turn any app into a wallet
Increase customer loyalty
and engagement
Retailer App
Coupon Loyalty Gift
APIs
How does it work – the Merchant experience
1. Enable mobile app
for payments
2. Control the shopping
experience
3. Add value-added
services
Turn app into mobile wallet Control branding and
customer experience
Retailer App
APIs
13
Turn any app into a wallet
What’s different about the Sequent approach
Sequent thought about
your customer user
experience first and went
back to the technology
to build a solution that
makes payments simple
for users and developers.
14
Turn any app into a wallet
How Sequent Makes Mobile Payments Simple for
Developers and End-Users
One-tap mobile
payments
APIs for app
developers
Technology
Abstraction
Enable app to transmit
payment, loyalty and
coupon data in a single
tap to merchant POS
via NFC.
Simple APIs add the
power of commerce
in the physical world
to your existing app.
Cloud-based HCE,
SE, NFC, barcode &
QR code. Technology
should set you free,
not limit your options.
HCE
15
Turn any app into a wallet
Sequent: One Tap Mobile Payments
Mobile payments is not about “payments” per se. Payments work perfectly well with any plastic
card today. The major pain-point in commerce at brick and mortar merchants is the integration
and management of paper-based loyalty, offers, coupons. Sequent patented “one-tap” mobile
payments streamlines the checkout by transmitting multiple cards — such as payment, loyalty,
coupons, and offers — at the same time to a merchant’s point of sale (POS) system.
16
Turn any app into a wallet
Sequent: APIs for App Developers
Sequent’s patented app-enablement “Open
Wallet Platform” provides APIs so developers
can add payment functionality to existing
mobile apps. Our app enablement APIs
effectively turn apps into wallets and allow
consumers to make payments at physical
merchants using NFC, barcode and other
technologies. Banks and merchants can
focus on the consumer experience through
their apps and leave the complexities
of technology, payment and security to
Sequent. These key mobile payments
features are available today on any mobile
app that uses Sequent’s platform and APIs
in the Android and Blackberry platforms.
Any
Card
Any
Device
Any
Technology
Any
Storage
HCE
17
Turn any app into a wallet
Sequent: Complexity Abstraction
Sequent works hard to abstract the technology,
payments and security complexities from our
bank and merchant customers and make mobile
payments simple for them. Developers should
not have to learn how to deal with Javacard
security or learn obscure terms like “APDU
commands”. Our Digital Issuance systems
provision cards to both Secure Elements
and cloud-based Host Card Emulation (HCE)
systems. Our wallet platform allows transactions
via NFC, barcode and other technologies at the
merchant POS. Bottom line is that technology
should not hinder but enable innovation. The
greatest possibility for innovation comes from
being agnostic and leveraging all the latest
technology to your advantage while providing
awesome user experience. 
18
Turn any app into a wallet
Sequent: Ironclad Security
Good security is hard. It takes time and resources away from designing and deploying the
next BIG thing. But the consequences of not doing security right are massive. Sequent is
a recognized leader in mobile payments security. Our products have bank-level security,
providing customers with peace of mind so that they can focus on innovation and user
experience. Sequent production systems are PCI DSS and EMV compliant. Sequent is also
one of just a handful of companies globally to have achieved over the air personalization
approval from Visa. 
19
Turn any app into a wallet
Sequent is the world’s leading provider of Digital Issuance
and Open Wallet Platform-as-a-service that delivers secure
mobile payments and value-added services to banks,
mobile operators, merchants, and access control providers.
20
Turn any app into a wallet
Why Sequent?
Innovator par excellence
Product vision with multiple patents and the biggest
concentration of experts in the industry
Ironclad security
PCI DSS, EMV compliant, an approved OTA perso
bureau by Visa
Standards Compliance
Aligned with card scheme specification for cloud
issuance and EMVCo specification for tokenization
Global presence and endorsements
Marquee customers in 4 continents 
www.sequent.com • contactus@sequent.com • +1 650-419-2713
©2014 Sequent Software Inc, All rights reserved.

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eBook: Turn Any App into a Wallet

  • 1. Turn Any App INto a wallet
  • 2. 2 Turn any app into a wallet Apps: the best brand connection companies ever had with their customers Most companies understand today that having a branded mobile app in a consumer’s smart phone is the closest connection they will ever have with their customers. With the increased time spent on mobile devices, companies who have a mobile app on a consumer’s phone are given a spotlight and opportunity to connect like never before.
  • 3. 3 Turn any app into a wallet Apps are the New ATM, Merchant Catalog More and more, banks and merchants look to their mobile apps as the preferred low cost, high touch channel of interaction with customers. They are constantly adding functionality, such as remote check deposit and online orders, making these apps even more convenient for users.
  • 4. 4 Turn any app into a wallet But apps face major challenges With 102 billion app downloads last year and hundreds of millions of apps available for users1 , there is no secret that competition is fierce in the world of apps. On average a whopping 80% of mobile apps are downloaded, used only once and eventually deleted. This phenomenon is true for most apps, free and paid, in various degrees. Even well financed apps from banks and retailers face the prospect of many downloads but poor usage. Of apps are used only once and then deleted2 1 http://www.gartner.com/newsroom/id/2592315 2 http://www.digitaltrends.com/mobile/16-percent-of-mobile-userstry-out-a-buggy- app-more-than-twice/ 80%
  • 5. 5 Turn any app into a wallet How to protect your app from becoming obsolete? The question facing banks and merchants today is how to keep their apps relevant, adding the functionality consumers want and keep them engaged. Of apps are used only once and then deleted
  • 6. 6 Turn any app into a wallet Commerce: Payment and Loyalty Are Key In the world of mobile apps, functionality is essential to make an app an indispensable part of a consumer’s life. Different app categories focus on different functionality to make them a repeat use tool for consumers. But if you are involved in commerce, such as banks or merchants, payment and loyalty are the key functionalities.
  • 7. 7 Turn any app into a wallet Turn your app into a wallet Banks, merchants and other players involved in commerce have a lot to gain by turning their apps into powerful repeat use mobile wallets for transactions in the physical world. By turning their app into a wallet a bank or merchant can control all aspects of consumer experience, end-to-end. Communication with consumer can start at home, before they even leave for the store. Bank Mobile AccessMerchant
  • 8. 8 Turn any app into a wallet Wallet apps can deliver an excellent shopping experience to consumers that streamlines the checkout of consumers at stores. They can enable check-in functionality via BLE, deliver personalized offers to consumers inside the stores and allow consumers to make “one tap” mobile payments sending payment, coupons and loyalty information to the merchant POS system in a single tap of a phone. Mobile wallets provide killer user experience
  • 9. 9 Turn any app into a wallet Add Loyalty, Coupons, Promotions The apps can also provide convenience and savings to hook consumers into the app. Consumers no longer have to clip coupons, carry loyalty cards or bring catalogs to store. Everything can be in the app and synchronized with the wallet for easy redemption at the point of sale. 20% Promotion: Just for you! For our loyal customer! BOGO knit sweaters today only! Up To 40% Off! Welcome!
  • 10. 10 Turn any app into a wallet Android Ecosystem is Ready with HCE & NFC Support! HCE Support Expected in 85% of Smart Phones Host Card Emulation (HCE) technology, introduced into the KitKat version of Android allows banks and merchants to control their mobile payment experience through their own apps without 3rd party permission. 11.7% iOS 2.5% Microsoft 0.5% Blackberry 84.7% Android Smart phone shipments per OS platform Q2 2014 - Source: IDC 320 Millionphones will be shipped with NFC technology in 2014 – the great majority Android OS
  • 11. 11 Turn any app into a wallet How does it work – the Issuer experience 1. Issue digital cards to SE or from Cloud 2. Use APIs and turn banking app into wallet 3. Distribute cards to trusted apps Your card everywhere Control branding and customer experience Increase wallet share and card usage Banking App APIs Retailer App MNO App Access Control App Credit Debit Prepaid APIs
  • 12. 12 Turn any app into a wallet Increase customer loyalty and engagement Retailer App Coupon Loyalty Gift APIs How does it work – the Merchant experience 1. Enable mobile app for payments 2. Control the shopping experience 3. Add value-added services Turn app into mobile wallet Control branding and customer experience Retailer App APIs
  • 13. 13 Turn any app into a wallet What’s different about the Sequent approach Sequent thought about your customer user experience first and went back to the technology to build a solution that makes payments simple for users and developers.
  • 14. 14 Turn any app into a wallet How Sequent Makes Mobile Payments Simple for Developers and End-Users One-tap mobile payments APIs for app developers Technology Abstraction Enable app to transmit payment, loyalty and coupon data in a single tap to merchant POS via NFC. Simple APIs add the power of commerce in the physical world to your existing app. Cloud-based HCE, SE, NFC, barcode & QR code. Technology should set you free, not limit your options. HCE
  • 15. 15 Turn any app into a wallet Sequent: One Tap Mobile Payments Mobile payments is not about “payments” per se. Payments work perfectly well with any plastic card today. The major pain-point in commerce at brick and mortar merchants is the integration and management of paper-based loyalty, offers, coupons. Sequent patented “one-tap” mobile payments streamlines the checkout by transmitting multiple cards — such as payment, loyalty, coupons, and offers — at the same time to a merchant’s point of sale (POS) system.
  • 16. 16 Turn any app into a wallet Sequent: APIs for App Developers Sequent’s patented app-enablement “Open Wallet Platform” provides APIs so developers can add payment functionality to existing mobile apps. Our app enablement APIs effectively turn apps into wallets and allow consumers to make payments at physical merchants using NFC, barcode and other technologies. Banks and merchants can focus on the consumer experience through their apps and leave the complexities of technology, payment and security to Sequent. These key mobile payments features are available today on any mobile app that uses Sequent’s platform and APIs in the Android and Blackberry platforms. Any Card Any Device Any Technology Any Storage HCE
  • 17. 17 Turn any app into a wallet Sequent: Complexity Abstraction Sequent works hard to abstract the technology, payments and security complexities from our bank and merchant customers and make mobile payments simple for them. Developers should not have to learn how to deal with Javacard security or learn obscure terms like “APDU commands”. Our Digital Issuance systems provision cards to both Secure Elements and cloud-based Host Card Emulation (HCE) systems. Our wallet platform allows transactions via NFC, barcode and other technologies at the merchant POS. Bottom line is that technology should not hinder but enable innovation. The greatest possibility for innovation comes from being agnostic and leveraging all the latest technology to your advantage while providing awesome user experience. 
  • 18. 18 Turn any app into a wallet Sequent: Ironclad Security Good security is hard. It takes time and resources away from designing and deploying the next BIG thing. But the consequences of not doing security right are massive. Sequent is a recognized leader in mobile payments security. Our products have bank-level security, providing customers with peace of mind so that they can focus on innovation and user experience. Sequent production systems are PCI DSS and EMV compliant. Sequent is also one of just a handful of companies globally to have achieved over the air personalization approval from Visa. 
  • 19. 19 Turn any app into a wallet Sequent is the world’s leading provider of Digital Issuance and Open Wallet Platform-as-a-service that delivers secure mobile payments and value-added services to banks, mobile operators, merchants, and access control providers.
  • 20. 20 Turn any app into a wallet Why Sequent? Innovator par excellence Product vision with multiple patents and the biggest concentration of experts in the industry Ironclad security PCI DSS, EMV compliant, an approved OTA perso bureau by Visa Standards Compliance Aligned with card scheme specification for cloud issuance and EMVCo specification for tokenization Global presence and endorsements Marquee customers in 4 continents 
  • 21. www.sequent.com • contactus@sequent.com • +1 650-419-2713 ©2014 Sequent Software Inc, All rights reserved.