Service Delivery Platforms, Telco APIs, Credit Card Fraud Prevention, Financial Industry, Location APIs, Telco 2.0 two-sided business model

1. Role of Service Delivery Platforms in RRRooollleee ooofff SSSeeerrrvvviiiccceee DDDeeellliiivvveeerrryyy PPPlllaaatttfffooorrrmmmsss iiinnn FFFFiiiinnnnaaaannnncccciiiiaaaallll IIIInnnndddduuuussssttttrrrryyyy
Rehman Adil
Senior Solutions Architect
Deutsche Telekom, UK
10th Annual Service Delivery Innovation Summit
16th-17th September 2014
Thistle Marble Arch, London

2. What I am going to talk about
How we define Service Delivery Platforms in Telco 2.0 Context
Becoming Part of the Financial Industry Eco-system – Case Study
Key Learning from Case Study
Summary – Take aways
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3. How we define Service Delivery
Platforms in Telco 2.0 Context

4. Telco 2.0 - Two Sided Business Model
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5. What does Telco have ?
24.09.2014 4

6. Service Delivery Platform - Assets
Operator
Billing
Video
Content
Delivery
Mobile
Advertising
Government
Services
Enterprise
Solutions
Cross
Operator
Initiatives
Vertical
Industry
Solutions
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Communications
Messaging Multimedia
Voice Conference
Context
Identity Location
Presence Profile
Access
QoS Policy
Bearer Security
Commerce
Payments Rating
Subscriptions Settlement
Over-The-Top
Social Login Aggregators
Partners Hubs
Solution Enablement Layer

7. Digital Services Reference Architecture
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Third Party
On-Boarding
Micro
Location API
WebRTC
/Joyn Network API
Delegated
Operator
Authentication
Payments
API
Subscriptions
API
Customer
Profile API
Social Login
Page/ OpenID
Operator
Identification
API
QoS API
Short
Messaging API
Customer
Identity API
Cell-ID
Location API
Roaming API
Voice call API Mobile ID API
Natural Language
Understanding API
LTE Location
API
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Fault and Performance
Monitoring
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Consent API
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Delegated
Authentication
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8. Becoming Part of Financial Industry
Eco-System – Case Study

9. FRAUD PREVENTION SOLUTION FOR CROSS BORDER
TRANSACTIONS
Your Location
Your Credit Card
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With your GSM/LTE phone and network location API our banking partners can readily
check the country location to prevent fraud at a speed needed for financial transactions!

10. Fraud Prevention Service
▪ Two major use cases for cross-border payment card transactions are as follows:
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A significant amount of payment card fraud occurs with transactions originating in countries other than the
cardholder’s own. Providing the Customer with the country that the user’s mobile phone is currently located in will
allow them to more accurately determine whether transactions occurring in a foreign country are likely to be
fraudulent.
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Due to the high incidence of fraud with foreign transactions, many legitimate overseas transactions are falsely
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currently located in will allow them to better manage risk while approving more foreign transactions occurring in
the same country as the user’s mobile phone.
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11. Service SSSeeerrrvvviiiccceee DDDDeeeelllliiiivvvveeeerrrryyyy PPPPllllaaaattttffffoooorrrrmmmm
Fraud Prevention Service using SDP Assets
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Location Push
API
Consent API
GSMA SMS
API
Consent
Management
Push Location
Updates
Send SMS
Notifications (Optional)
Location Pull
API
Get Location
(Optional)
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Consent Database
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IIddeennttiittyy CCoonnsseenntt
SMPP (or similar) Location Updates
(visited/home country)
SMS-C Location GW CRM
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Customer Lifecycle Events
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12. Key Learnings from the Case Study

13. Business Models with Aggregators
Usual business models apply here
1. Revenue share model between operators and aggregators
2. Some aggregators are willing to pay a flat fee for unlimited usage of location
information to support multiple partners ( e.g. banks)
3. Certain aggregators prefer exclusivity for working with operators iinn cceerrttaaiinn mmaarrkkeett
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14. Technical aspects
1. Latency requirements are challenging – 300 milliseconds to retrieve the location of
registered customer mobile number
2. Pushing the location data proactively (when customer registers in a roaming network) is
probably the best option to ensure last known location is available at the time of credit
card transaction
3. Data Processors (aggregators) do not need to store the real network iiddeennttiittyy ((ii.ee.
MSISDN) of the customer and shall store hashed identity for auditing, settlement and
operational purposes. Operators may need to agree on a common mechanism to
generate a one-way hash to support customer care processes
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15. Compliance to Data Privacy is the key ....
1. And specially in Germany from the customer point of view
2. Customer consent for sharing the location data must be in place but operators do not
necessarily have to acquire it if banks have acquired it
3. Aggregators are playing a key role in terms of integrating banks to operators and
defined as “Data Processors” in terms of legal terms
4. Major effort is getting the access to the customer data from the underlying NATCO
systems
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16. Summary – Take aways

17. Recap – Take aways
1. Money is not in the APIs but in the specific industry solutions where APIs become
relevant.
2. Work closely with vertical industries and build bespoke solutions for well known
services like Identity, Location as well as well as new areas like WebRTC to identify the
unique value Telcos can provide in a certain context
3. Most of the operators have spent lot of money in long-tail developer programs.
Operators need to engage long tail developers for innovation but focus on enterprises
for monetization of operator’s assets
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18. THANK YOU!
QA ?