EMVCo Wireless Illustrative Use Cases

2021-01-21T00:00:00+00:00 v1.0

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This document is provided "AS IS" without warranties of any kind, and EMVCo neither assumes nor accepts any liability for any errors or omissions contained in this document. EMVCO DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AS TO THIS DOCUMENT. EMVCo makes no representations or warranties with respect to intellectual property rights of any third parties in or in relation to this document. EMVCo undertakes no responsibility to determine whether any implementation of this document may violate, infringe, or otherwise exercise the patent, copyright, trademark, trade secret, know-how, or other intellectual property rights of third parties, and thus any person who implements any part of this document should consult an intellectual property attorney before any such implementation. Without limiting the foregoing, this document may provide for the use of public key encryption and other technology, which may be the subject matter of patents in several countries. Any party seeking to implement this document is solely responsible for determining whether its activities require a license to any such technology, including for patents on public key encryption technology. EMVCo shall not be liable under any theory for any party's infringement of any intellectual property rights in connection with this document. Copyright ©2021 EMVCo – Confidential 2 Table of Contents

Introduction

Purpose of Illustrative Use Cases Illustrative Use Cases
Put it on my Tab
In-aisle ’Appiness
Close, But Not Too Close
Shop and Go
Taking its Toll
A Walk in the (Car)Park
Take Me to the Movies
Pick Me Up
I Have Arrived Copyright ©2021 EMVCo – Confidential Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited EMV<sup>®</sup> is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The 3 EMV trademark is owned by EMVCo, LLC. 3 Introduction Copyright ©2021 EMVCo – Confidential 4 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 4 Purpose of Use Cases EMVCo has produced this set of illustrative use cases as part of studying the needs and the scope for further possible work such as EMVCo Wireless specification. In this context, Wireless:
Includes all types of ‘card-rail based’ payments
Occurs in or close to a physical store
Does not require cardholder’s device to be or remain in close proximity of a payment terminal
Does not include current EMV contact and contactless solutions The goal has been to define a set of illustrative use cases, describing the payer and merchant experiences, and the role of other entities involved in the process of payment, enabling a new wave of business applications. Copyright ©2021 EMVCo – Confidential 5 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 5 Purpose of Use Cases: Support Discussion The illustrative use cases were created to stimulate discussion on the use of wireless technology for card payment related interactions. The goals of the discussion to:
Assess if wireless technology is an area for EMVCo to engage
Determine the scope of any technical work on wireless technology that would be relevant
Identify the requirements for any technical solution such that it meets the needs of the card payment ecosystem Copyright ©2021 EMVCo – Confidential 6 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 6 Purpose of Use Cases: Illustrative only
The presented use cases are illustrative and intended to be representative of typical wireless possibilities
EMVCo does not commit to specification of any use case
EMVCo will evaluate actual technical feasibility at a later stage
User interface descriptions are simply to illustrate the use case
No implication that EMVCo will specify a UI
No implication that this would be a correct or preferred UI
Some elements of a use case may be realised using technology, systems and programmes outside of EMVCo’s scope
Use cases are intended to be transferable to different scenarios Copyright ©2021 EMVCo – Confidential 7 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 7 Illustrative Use Cases Copyright ©2021 EMVCo – Confidential 8 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 8 Put it on my Tab Copyright ©2021 EMVCo – Confidential 9 Business Stories: Ordering As a Customer, I want to:
Receive special offers
Order without having to wait
Open a bar tab without handing over a card
Add to the order (i.e., more drinks, dessert) without waiter interaction
Get information about ingredients in perspective of own food restrictions
Have a menu in my own language As a Merchant, I want to:
Free the servers from taking time for orders
Accept card payments, including multiple orders with a single authorisation
Avoid being responsible for holding onto customer’s cards
Order several times but pay only once at the end
Pay as soon as I get the bill
Pay both bill and tip at the same time
Split-the-bill with my friends
Utilise coupons for the payment
Know if any discount is available As a Merchant, I want to:
Avoid the servers having to bring the terminal to the table and wait for the payment to complete
Have the payment recognised as a local payment Copyright ©2021 EMVCo – Confidential 11 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 11 Business Stories: Delivery As a Customer, I want to:
Know how long before my order arrives
Receive a digital receipt (i.e., in-app, email) that I can easily file and retrieve As a Merchant, I want to:
Avoid providing a paper receipt
Offer a coupon service Copyright ©2021 EMVCo – Confidential 12 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 12 Buy and Checkout Copyright ©2021 EMVCo – Confidential Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited
Customer receives notification to connect to cafe's menu via WiFi, may be QR Code* scan on table
Customer (may be able to select a language) reads menu and special offers, ingredients and serving times
Customer sends the order with their table number via wireless connection
Customer is allocated a "Tab" which can be added to later *QR Code is a registered trademark of DENSO WAVE INCORPORATED 13 13 Payment 1 Split the bill Copyright ©2021 EMVCo – Confidential Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited
Customer requests final bill including applied offers and discounts
Customer agrees to bill by selecting PAYMENT on their device and selects a provisioned card
Customer selects or enters tip amount
Customer selects discount offers (coupons) to apply
Optionally customer may select to splitthe-bill amongst others sharing the meal* (*requires others to have a provisioned card and wirelessly connect to checkout page) 14 14 Payment 2
Customer performs authentication (if required)
Customer selects CHECKOUT to initiate the payment and their device sends card credentials to restaurant's terminal via wireless connection Copyright ©2021 EMVCo – Confidential 15 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 15 Payment 3
If split-the-bill is requested, a QR code* link to the table tab is shown on the main customer’s phone which the other contributors could scan to access
An auto calculated amount will be given to split the bill evenly
Others at the table connect to the café system via the QR code and elect to pay a contribution using a provisioned card. Either the even split given, or a contribution *QR Code is a registered trademark of DENSO WAVE INCORPORATED Copyright ©2021 EMVCo – Confidential 16 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 16 Delivery
Customer(s) receives a digital receipt in app or via email which may also include a digital coupon for next visit
Customer(s) may receive a link to sign up to a loyalty card programme Copyright ©2021 EMVCo – Confidential 17 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 17 In-aisle ‘Appiness Copyright ©2021 EMVCo – Confidential 18 Business Stories: Ordering As a Customer I want to:
Be able to scan my goods as I select them As a Merchant I want to:
Allow a customer to scan goods using my store’s mobile app Copyright ©2021 EMVCo – Confidential 19 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 19 Business Stories: Payment As a Customer I want to:
Be able to pay without having to queue at the checkout
Have a hygienic way to pay (without touching a terminal) As a Merchant I want to:
Allow a customer to pay from the mobile app without requiring a physical checkout
Customer enters the store and opens a mobile app
Mobile app allows the customer to scan the selected goods. List of selected goods appears in the app
Customer’s device connects to the store’s acceptance system
Customer chooses a card to pay and authenticates (if required) for the payment
Payment is handled by the store’s acceptance system
Customer may now leave the store with the goods
Delivery: The store sends a digital receipt to the customer Copyright ©2021 EMVCo – Confidential 22 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 22 Close But Not Too Close Copyright ©2021 EMVCo – Confidential 23 Business Stories: Ordering As a Customer I want a store associate to:
Take my payment without having to queue at a checkout As a Merchant I want a store associate to:
Complete the payment without needing to go to a checkout Copyright ©2021 EMVCo – Confidential 24 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 24 Business Stories: Payment As a Customer I want to:
Have a hygienic way to pay while maintaining social distancing
Be able to pay without needing a store-specific app As a Merchant I want to:
Allow my associates to maintain social distancing while taking a payment
Allow my customer to pay without downloading a store-specific app
Customer enters store to buy some widgets. Store associate assists in selecting the appropriate widgets for the situation
Customer chooses the widgets and the store associate rings it up on a portable device
Store associate’s device provides the customer’s device with a link to the store’s acceptance system
Customer chooses a card to pay and authenticates (if required) for the payment
Payment is handled by the store’s acceptance system
Notification is provided to the store associate that payment is authorised
Customer may now leave the store with the goods
Delivery: Store sends a digital receipt to the customer Copyright ©2021 EMVCo – Confidential 27 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 27 Shop and Go Copyright ©2021 EMVCo – Confidential 28 Business Stories: Ordering As a Customer I want to:
Be able to pay without having to queue at the checkout As a Merchant I want to:
Reduce the space required for checkouts
Allow my customers to have a frictionless and efficient shopping experience Copyright ©2021 EMVCo – Confidential 29 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 29 Business Stories: Payment As a Customer I want to:
Choose which card to use at any time during my shopping
Have a hygienic way to pay As a Merchant I want to:
Minimise the possibility of a customer leaving without paying
As customer enters the store and checks in (i.e., tapping phone on a contactless reader or opening and authenticating to an app) to register entry and intention to pay for the goods selected
Store system acknowledges entry and links the customer to their basket
During shopping, the customer decides to use a different card for this transaction
Customer has finished shopping and may leave the store without going through a checkout. The store system detects the departure and the payment is taken automatically with the card selected either at check in or during the shopping experience
Delivery: The customer may check the receipt Copyright ©2021 EMVCo – Confidential 33 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 33 Taking its Toll Copyright ©2021 EMVCo – Confidential 34 Business Stories: Toll Gate As a Driver I want to:
Pay for the toll using my card without opening my car window
Have the toll fee and digital receipt displayed on my consumer device
Have a standard way to pay the toll across multiple tollways using my card As a Toll Collector I want to:
Allow drivers to be able to pay and drive through quickly
Have an interoperable and standard approach to accept card payments Copyright ©2021 EMVCo – Confidential 35 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 35 Ordering: Entry Toll Gate
Driver approaches the tollway entry gate, and a wireless connection is established with the toll booth provider
Driver stops briefly at the closed barrier
Driver confirms their vehicle type and entry
Toll booth provides a digital entry ticket to the driver
Entry barrier is opened
Driver enters the tollway without the need to physically open a window Copyright ©2021 EMVCo – Confidential 36 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 36 Payment: Exit Toll Gate
As driver approaches tollway exit gate, a wireless connection is established with the toll booth provider
Driver stops briefly at the closed barrier
Toll booth provider identifies and reads the drivers digital entry ticket and confirms the transaction amount
Driver confirms their card payment, or optionally the payment is taken automatically from their default card setup
Driver receives their digital toll receipt and the toll booth barrier is opened
Driver exits the tollway, without the need to physically open a window, search for cash or tap/dip a physical card Copyright ©2021 EMVCo – Confidential 37 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 37 A Walk In the (Car) Park Copyright ©2021 EMVCo – Confidential 38 Business Stories: Parking Lot - Driver As a Driver I want to:
Check in to a parking lot without having to stop and collect a paper ticket
Pay for the parking lot using my card without having to find a physical payment terminal, so that I don’t need to walk around to locate a payment point or queue in the rain, (etc)
Have a standard way to pay parking lot fees across multiple providers
Receive directions to the best free parking space
Exit the parking lot without needing to stop, and open a window to enter a paper ticket and/or complete payment Copyright ©2021 EMVCo – Confidential 39 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 39 Business Stories: Parking Lot - Provider As a Parking Lot Provider I want to:
Enable drivers to pay and drive through quickly to reduce queuing and improve occupancy rates
Have a simplified and easy method to accept payments
Remove the need to issue paper tickets to reduce costs Copyright ©2021 EMVCo – Confidential 40 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 40 Ordering: Parking Lot Approach 1:00 PM Welcome to XYZ Parking Any wallet Entry time 13:00 Please follow directions to the best available spaces Done
As the driver approaches the parking lot entrance, a wireless connection is established with the parking lot provider.
The parking lot provider sends a digital entrance ticket/time stamp to the driver, as they pass through the barrier
The parking lot provider indicates the best available parking spaces to the driver
The driver chooses their parking space and parks Copyright ©2021 EMVCo – Confidential 41 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 41 Payment: Parking Lot Payment and Exit Any wallet 3:00pm XYZ Parking Your car location Thank you for your 2 hour stay. The cost of your stay is Amount $10.00 Please select your payment card.
Wireless signal detects the driver has returned to the car park and provides a reminder of where their car is parked.
The driver via the wireless connection exchanges their duration time details.
The parking lot provider confirms the amount.
The driver chooses their card and confirms the payment.
The driver exits the parking lot, without the need to physically open a window, search for cash or tap/dip a physical card. Confirm Payment Copyright ©2021 EMVCo – Confidential 42 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 42 Take Me to the Movies Copyright ©2021 EMVCo – Confidential 43 Business Stories: Take Me to the Movies As a Moviegoer (Consumer of event-like experience) I want to:
Purchase my ticket(s) as I approach the cinema entrance so that I save time queuing
Receive appropriate promotional ticket offers (e.g. 2 for1 offer as loyal customer)
Be able to utilise coupons for the payment
Skip the physical queue to order popcorn/soda and have it delivered to my seat (or collect from an assigned pickup point)
Receive a digital receipt for the admission fee As a Cinema Complex (Merchant of event-like experience) I want to:
Optimise the employee’s time so they can focus on supporting customers
Improve the speed of my ticket issuing experience
Avoid issuing paper tickets
Proactively offer targeted promotions to my customers when they are in the vicinity
Optimise the sales of my food and beverages
Know how many customers are in my premises Copyright ©2021 EMVCo – Confidential 44 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 44 Ordering: Take Me to the Movies May the POS be with you First Contactless Dr Specification or How I learned to stop worrying and love the TLA
The moviegoer is outside the cinema entrance and decides to see a film
The moviegoer establishes a wireless connection with the movie theatre (i.e., WIFI, BLE push offer, scanning a QR Code*, tapping into an NFC tag) and chooses a film
The movie theatre makes a 2-for-1 loyalty offer
The moviegoer accepts the offer and chooses their seat First Contactless Copyright ©2021 EMVCo – Confidential *QR Code is a registered trademark of DENSO WAVE INCORPORATED 45 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 45 Ordering: Take Me to the Movies
The moviegoer orders food and beverages over the wireless connection
The moviegoer either chooses to collect the order from the kiosk or have it delivered to their seat Copyright ©2021 EMVCo – Confidential 46 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 46 Payment First Contact less
The movie theatre presents the transaction amount. If the moviegoer has a coupon, they enter it in and recalculate the price.
The moviegoer chooses their payment card and confirms payment
The moviegoer receives their ticket and food order confirmation on their mobile device Copyright ©2021 EMVCo – Confidential 47 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 47 Pick Me Up Copyright ©2021 EMVCo – Confidential 48 Business Stories: Pick Me Up As a Customer I want to:
Easily identify my order when I pick-up in-store As a Merchant I want to:
Enable a smooth in-store experience for my customers Copyright ©2021 EMVCo – Confidential 49 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 49 Pick Me Up 1 Order Placement (Online) 2 Order Received 3 On the way… Wireless 4 Identification (Wireless) 5 Order Delivered 6 Payment Receipt Customer orders ahead from menu. Completes payment. Specifies store for pickup. Merchant receives order. Customer goes to the store for pickup. Store identifies customer successfully wirelessly. Locates order. Merchant locates order and delivers order to customer. Merchant sends receipt to customer. Order completed. Copyright ©2021 EMVCo – Confidential 50 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 50 I Have Arrived Copyright ©2021 EMVCo – Confidential 51 Business Stories: I Have Arrived As a Customer I want to:
Make a reservation for goods or services ahead of time with a store to pay and pickup later
Easily identify my order when I pick-up in-store As a Merchant I want to:
Enable a smooth in-store experience for my customers
Get paid in the store at time of pickup
Have the payment be recognised as a local payment Copyright ©2021 EMVCo – Confidential 52 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 52 I Have Arrived 1 Order Placement 22 Order Received 3 On the way… Wireless 4 Identification (Wireless) 5 Payment (Wireless) 6 Order Delivered 7 Payment Receipt Customer reserves or orders ahead. Specifies store for pickup. Merchant receives order. Customer goes to the store for pickup. Store identifies customer successfully wirelessly. Locates order. Customer pays wirelessly for the order amount. Merchant locates order and delivers order to customer. Merchant sends receipt to customer. Order completed. Copyright ©2021 EMVCo – Confidential 53 Copyright ©201270 EMVCo – Unauthorised reproduction is prohibited 53