KLM Payment orchestration - commerce orchestration.pdf

This presentations clearly show that the CellPoint Mobile was the catagory creator of Payment Orchestration, particularly for travel

1. 28/10/2025CELL POINT MOBILE1
Mpoint™Mobile paymentsplatform

2. 28/10/2025CELL POINT MOBILE
CellPoint Mobile (CPM)
2
Bringing Mobility to Life
Omni-channel Commerce Orchestration
platform
Secure mPayments services
Cost effective solutions
Standard products, fast time to market
Agile sprint methodology
Team of industry experts
Servicing global and large
regional clients and partners
wallet & VAS Experience since
2009
Kristian Gjerding
Mobile payments and wallets
Gerald Kitchen
Global payments and cards
Thomas Thomsen
Consumer VAS and Value Creation
John Zachman
Enterprise Architecture

3. Silo solutionBuild Commerce
Orchestration
Platform
Solution options

4. “digital transaction -physical consumption”
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§Continued and rapid
change in consumer
behavior and requirements
§Technology driving
capabilities and expectation
§Immediate need fulfillment
§Integrity, reliability and
flexibility = trust and
loyalty

5. CPM Value Chain
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6. Unlocking content; the transaction power of the retail airline
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On-the-
ground
services
On-the-
ground
services
3rdparty
(rail, park)DCS
OtA’s
Reservatio
n
PaymentsMOTO
GDS

7. Commerce Orchestration Platform
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Core InfrastructureDigital Payments
Customized
Turn
-Key
Merchant size
§Coupon issuing, management and
redemption
§Existing loyalty integration
§CPM proprietary points, tender
and buy-one-get –one free
§Social selling
§Remote and proximity, 3D secure,
one-click payment and multi-acquirer
§eWallets –Any tender, any payment
method
§NFC
§Full spectrum eCommerce
mCommerce including product
catalogue, basket and checkout
§Transportation, event,
entertainment, parking
§Full spectrum of integration,
management and security
capabilities
§Commerce growth platform
The convergence of hardware, software and acceptance with the wallet enabling
distribution and acceptance, provides an end-to-end platform for merchants and
consumers alike
Ticketing and shoppingLoyalty and couponing

8. Wallet Statement
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“A fully interacting function tied
to a specific passenger for
securely storing records of any
tender, payment method and
identity token, on-device and
online”

9. Open platform
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CPM ModulesOffline
Online
Touch-Point Agnostic
CPM COMMERCE
ORCHESTRATION
PLATFORM
Multiple Funding Sources3rdparty

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Mpoint™wallet functions

11. Tender Container
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Electronic bucket
§Means of storing Preferred Payment
methods
Means of storing value against a
customer profile
§Loyalty points
§Proprietary currency
Means of storing services and
certificates
§Boarding passes
§Tickets
§Receipts
§Coupons
§Vouchers
§Loyalty card

12. Closed Loop SVA
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Registration
§Account/Profile creation
§Card details entered/maintained
Key features
§Closed loop Wallet for stored
value
§Payment online, mobile and
through MOTO from Wallet
§Instant settlement
§Automatic top-up for the wallet
§Transfer value from one account
to another
§Parent-child account

13. e-Wallet BtB
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Key features
§Corporate consolidation
§Individual booking
§Simplified distribution
§Instant settlement
§No interchange fee
§Currency converter
§BtBtransferee
§Loyalty based on
transactions / size of
wallet account
Travel agent
Wallet AccessBtB Wallet
HotelsAirlineLimo service

14. Initialisation Points
§MOTO
§Application
§Browser
§Messaging
§NFC
§Barcode/QR code
Wallet Features
§Full bank/e-Money Account
(open loop)
§Closed loop SVA
§Multi-tender container
§Stored and Preferred
Payment methods
§3rdparty payment methods
§“Child” and family accounts
§B2B interchange free
corporate wallet
§On-line/off-line
§Including DRM
protection
§Fully integrated to CPM
modules and infrastructure
§Ticketing
§Social selling
§Retail
§Fraud
§API’s and SDK’s
§Deep wallet-2-app
interaction
§Support for 3rdparty wallets
i.e. Apple Passbook, Google
wallet and V.me
§Device agnostic
mPoint™/ Wallet Capabilities
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15. eWallet: Business Benefits Consumer
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Journey
§Stored information makes future
transactions quick and easy
§Single point of access to desired/valued
services and information improving user
experience
§Simplify the consumer journey (self-
service)
§Mobile wallet use/management
emphasizing money saving advantages
Security
§Secure storage of preferred payment
methods (cards/points/loyalty
rewards/offers)

16. Engagement
§Increased exposure to brand
§Enhanced the customer journey
§Build loyalty
§Win and retain customers through
immediate delivery/realisation of
relevant and attractive services
§Additional data points/CRM benefits
§Increase marketing reach and relevance
§Single point of access with third-party
content providers
Costs
§Reduces cost of operations through self-
service
§Creates a cost-effective mobile UI which
readily accepts new/future service or
offerings
eWallet: Business Benefits Merchant
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17. Integrated Social Business
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Deals
§Group buying from 3rdparty
content providers
§Social discovery and location-
based deals
§Publish into social networks
§Purchase with stored tender, or
rewards/points
§Fill capacity through 1-click last
minute flight deals via twitter
Social toolbar
§Integrated social share bar to
all airline social media outlets
§Recommend trending content
§Customize messaging to
visitors
§Feature links promoting
specific content to visitors
§Social login in path through
airline group sites
Anywhere Community
§Supported social networks
include Facebook, Twitter,
LinkedIn, Foursquare, Google+
§Reward social activity with
rewards/points
§Enable social check in
§Interactive seat select, see
who’s on board
§Integrated airline ticketing
office on Facebook and Twitter
§Migrate messages into support
tickets
§Geo-location targeting and
communication
Social management
§Single platform to develop
social sites and applications
§Customize social
engagement with mSocial
API’s
§Increase engagement and
sharing inside and outside
airlines digital environments
§Engage users and conduct
efficient customer service
§Custom workflow dashboard
for social reputation
management
§Schedule posts, preview
content before it goes live

18. Bank wallet
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PayerPayers
bank
Payees
bank
Account
statement
Payee
Payers
phone
000111100110$
$
$
Airline booking
Key features
§Bank license/e-money license
supported
§Open and closed loop
§ACH
§ISO 8583 and ISO
200022
§SEPA direct debit/credit
§Card-member present
payments
§Software SE

19. 3rd Party Payment Methods
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Interbank
§Direct Debit
§Bank Transfer (ACH)
§Giropay
§Western Union
§MoneyGram
§eWire
§BankLink
§iDeal
Cards
§Visa Credit
§Visa Debit
§iDEAL
§Mastercard
§Prepaid
§AmEx
§JCB
§Diners
§Laser
§Carte Bleu
§ChinaUnion Pay
Wallets
§Google Wallet
§eNETS
§V.Me
§SagePay iDeal
Alternative
§PayPal
§eNETS
§Skrill
§ProPay
§mPesa

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mticket™

21. Ios and android APP
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22. iPhone Apple passbook™
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23. iPhone mobile web
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24. Android mobile web
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25. blackberry new, mobile web
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26. Blackberry old, mobile web
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Thanks

28. Management Tools
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mConsole™
§Centralised cross-systems
access
§Role-based security model in
accordance with the MVC
pattern
SurePay™
§Real-time payment
transactions monitoring
§Intelligent incident handling
Fiona™
§Optimised transaction records
§“Tender” converter
§Statistics, audit and
reconciliation Built-in data
warehouse

29. Management tools: Business Benefits
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SurePay™
§Detailed audit trail
provides complete
payments transparency
§Can automatically alert
both IT Operations and
Customer Service of failed
or incomplete transactions
§Detect if shoppers
navigate back to payment
flow
§By providing a single view
of all payment steps,
enable enterprises to
rapidly identify problem
cause
mConsole™
§Centralised web
administration access
§Provides a single
admin interface across
all CPM platform
components
§Supports the
minimisation of TCO of
platform
§Create a single view of
client BES
Fiona™
§Advanced billing and
statistical system,
providing users with
detailed billing
statements, transaction
statistics and reporting
§High availability ensuring
transaction reporting is
always available,
establishing audit trails
§Data is exposed in a
structured format for
detailed analysis
§Data can be exported to
other Finance systems
through the ESB’s data
connectors