Law Seminars International Presents: An Advanced Two-Day Conference on Cutting-Edge Issues in

Mobile Payments Law
New business models and associated legal issues

(For this past program, we offer two options for purchase: a Homestudy (DVD and written materials) or written materials alone.)

November 15 & 16, 2012
San Francisco Marriott Union Square Hotel in San Francisco, CA

Who Should Order This Homestudy

Attorneys; business executives in the wireless, mobile device, applications development, technology and venture capital industries; financial institutions; business consultants and governmental officials

Why You Should Order

Mobile payments are attracting considerable attention from technology companies, financial institutions, carriers, investors, merchants and consumers. Contactless technologies, such as near-field communication and remote payment solutions that allow for more rapid or advanced checkout and a range of value-added services and value propositions, are rushing to market.

The business models and associated legal issues for these offerings can be complex, as the roles of the many players continue to evolve. Such programs implicate financial services regulation, privacy and data security telecommunications regulation, consumer protection, and other legal and regulatory issues with few settled answers.

Just as important, the need for close collaboration among companies with widely varying cultures and approaches to compliance calls for a deep appreciation of the constraints under which the various participants in a mobile payment ecosystem must operate.

This conference will address various business models and platforms for mobile payments, state and federal banking and financial services regulations and their application to mobile payments, the international experience, marketing and advertising rules, and privacy and data security considerations. It will feature varying viewpoints from the many participants and supervisors of these complex systems for a broader perspective.

Here are valuable updates and practical tips you will not want to miss!

~ Program Co-Chairs: Suzanne Y. Bell, Esq. of Wilson Sonsini Goodrich & Rosati and Andrew J. Lorentz, Esq. of Davis Wright Tremaine LLP

What You Will Learn


Thursday, November 15, 2012

8:00 am

Registration Opens

8:30 am

Introduction and Overview

Suzanne Y. Bell, Esq., Program Co-Chair
Wilson Sonsini Goodrich & Rosati / Palo Alto, CA

Andrew J. Lorentz, Esq., Program Co-Chair
Davis Wright Tremaine LLP / Washington, DC

8:45 am

The Mobile Payments Ecosystem: Players, Innovations in the Customer Experience, and the Issues They Raise

Mobile payment systems are merging sources of customer behavioral information in new ways, and new platforms and ideas are transforming the retail landscape: When does a new "feature" trigger a legal or contractual hazard for merchants?

Jane Cloninger, Esq., Director
Edgar, Dunn & Company / San Francisco, CA

Steve Mott, Principal and CEO
BetterBuyDesign / Stamford, CT

Holly K. Towle, Esq.
K&L Gates LLP / Seattle, WA

10:15 am


10:30 am

U.S. Financial Services Law: When Do Technology Companies Need a Banking Lawyer?

Regulatory triggers for the Bank Secrecy Act; Regulation E (implementing the Electronic Fund Transfer Act); Regulation Z; state money transmitter laws; other state laws triggered by "deposit taking" arising from provision of payment services

Robert G. Ballen, Esq.
Schwartz & Ballen LLP / Washington, DC

Andrew J. Lorentz, Esq., Program Co-Chair
Davis Wright Tremaine LLP / Washington, DC

Mark A. Moore, Esq.
Aldrich Bonnefin & Moore, PLC / Irvine, CA

12:00 pm

Lunch (on your own)

1:15 pm

Lessons From Around the World: Why Are We Behind Some Other Countries and What Can We Do to Catch Up?

Raj Aji, Esq., General Counsel
Obopay, Inc. / San Mateo, CA

Paul Anning, Esq.
Osborne Clarke / London, UK

2:15 pm

Interoperability: Standards Setting and Patent Issues Affecting Deployment of Mobile Payment Systems

Emerging standards and legal controversies

Sean P. Gates, Esq.
Morrison & Foerster LLP / Los Angeles, CA

3:00 pm


3:15 pm

Case Studies: Platforms and Retailer Implementation

Adaption of legacy payment networks, as the "rails" for clearing and settlement, to the new world of mobile: How do they fit into the mobile payment ecosystem?

Uzma Makhdumi, Senior Business Leader
Visa / San Francisco, CA

American Express' Serve: Digital payment and commerce platform

Wanji Walcott, Esq., Managing Counsel
American Express Company / New York, NY

Mobile payment implementation for retailers: Technical and customer relations from a business perspective; how payments fit into broader business objectives

Michael Levy, Esq., Counsel
Square, Inc. / San Francisco, CA

Jody Chafee, Esq., Director, Corporate Counsel, Law & Corporate Affairs
Starbucks Coffee Company / Seattle, WA

5:15 pm

Continue the Exchange of Ideas: Reception for Faculty and Attendees

Sponsored by Davis Wright Tremaine LLP and Wilson Sonsini Goodrich & Rosati


Friday, November 16, 2012

8:30 am

Unique Privacy and Data Security Challenges: Issues from Transmission of the Offer to Completion of the Payment Transaction

Auto-dialing, text-messaging, telemarketing and spam regulations; industry best practices and initiatives (e.g., MMA Guidelines, CTIA Best Practices); regulatory landscape for behavioral advertising and location-based services; PCI compliance

Nathan J. Hole, Esq.
Loeb & Loeb LLP / Chicago, IL

Tracy Shapiro, Esq.
Wilson Sonsini Goodrich & Rosati / San Francisco, CA

10:00 am


10:15 am

Dealing with Carriers as an Essential Player

Perspectives on the key issues in the basic service relationship with wireless telecommunications service providers

Daniel M. Waggoner, Esq., Moderator
Davis Wright Tremaine LLP / Seattle, WA

Paul Boyer, Esq., Associate General Counsel
Isis / Seattle, WA

David Diggs, Vice President, Wireless Internet Development
CTIA- The Wireless Association / Washington, DC

Linda K. Norman, Esq., Vice President and Deputy General Counsel
Microsoft Corporation / Redmond, WA

11:45 am

Wrap Up: Overcoming the Cultural Divides in the Vertical Chain of Business Partners

Suzanne Y. Bell, Esq., Program Co-Chair
Wilson Sonsini Goodrich & Rosati / Palo Alto, CA

Erin McCune, Payments Consultant
Glenbrook Partners / Menlo Park, CA

1:00 pm

Evaluations and Adjourn



Regular tuition for this program is $1145 with a group rate of $860 each for two or more registrants from the same firm. For government employees, we offer a special rate of $765. For students and people in their job for less than a year, our rate is $572.50. All rates include admission to all seminar sessions, food and beverages at breaks, and all course materials. Make checks payable to Law Seminars International.


There is a $25 cancellation fee for Course Materials orders and $50 for Homestudy orders

Continuing Education Credits

Live credits: Law Seminars International is a State Bar of California approved MCLE provider. This program qualifies for 11.25 California MCLE credits. Upon request, we will apply for, or help you apply for, CLE credits in other states and other types of credits.

Faculty Bios

Suzanne Y. Bell, Program Co-Chair, partner at Wilson Sonsini Goodrich & Rosati in the Technology Transactions practice, handles technology and intellectual property transactions with an emphasis on strategic alliances and outsourcing transactions for software, electronics, telecommunications, cloud computing, digital media, Internet and clean technology companies.

Andrew J. Lorentz, Program Co-Chair, partner at Davis Wright Tremaine LLP, focuses on the retail financial services sector, emphasizing payments and billing issues. He counsels major banks, global technology companies and international retailers on financial regulation, billing and payment systems.
Full bio and contact info for Andrew J. Lorentz at Davis Wright Tremaine LLP

Raj Aji, General Counsel of Obopay, Inc., negotiates commercial relationships with global mobile carriers, banks and other ecosystem partners and navigates mobile banking regulations to launch successful mobile payment services in the United States, Asia and Africa.

Paul Anning, partner of Osborne Clarke, is a specialist financial services lawyer with experience in M&A and capital markets transactions, establishing private equity and property funds, advising institutional investors on alternative investments and payments transformational projects.

Robert G. Ballen, partner at Schwartz & Ballen LLP, focuses on payments law. He represents leading technology firms that provide payments services to, or in conjunction with, the banking industry.

Paul Boyer, is Associate General Counsel of Isis, the mobile payments and commerce joint venture established by AT&T Mobility, T-Mobile USA and Verizon Wireless. Prior to joining Isis, Paul served as Senior Director of Legal Affairs at T-Mobile and Director of International Alliances at MCI.

Jody Chafee, Director, Corporate Counsel of Law & Corporate Affairs at Starbucks Coffee Company, focuses on technology, corporate and securities transactions. Previously, he was a principal at Riddell Williams.

Jane Cloninger, Director at Edgar, Dunn & Company, is experienced in the payments industry advising issuers, merchants/co-brand partners, third party processors, major merchant acquirers and card associations.

David Diggs, Vice President of Wireless Internet Development at CTIA- The Wireless Association, is responsible for the Wireless Internet Caucus (WIC) and works with industry stakeholders to further accelerate the growth of the wireless data segment of the industry.

Sean P. Gates, partner at Morrison & Foerster LLP, litigates in antitrust, patent infringement, and trade secret. Previously, he was Deputy Assistant Director at the FTC, where he oversaw investigations involving loyalty discounts, patent pools, production joint ventures, anticompetitive litigation and state regulatory boards.
Full bio and contact info for Sean P. Gates at Morrison & Foerster LLP

Nathan J. Hole, Loeb & Loeb LLP, counsels clients on emerging media and technology-related activities, including the preparation and negotiation of agreements related to online and digital assets, digital media, privacy issues, social networking issues, mobile platforms and mobile commerce.

Michael Levy, Counsel at Square, Inc., focuses on legal and commercial issues impacting mobile payments both from the merchant and the consumer perspective. Previously, he was counsel at Axiom where he advised eBay with respect to its mobile commerce products.

Uzma Makhdumi is a Senior Business Leader at Visa specializing in mobile commerce and payments. Previously, she worked in mobile product management at technology companies and as a consultant at McKinsey.

Erin McCune, Payments Consultant at Glenbrook Partners, focuses on client engagements in commercial payments, global eCommerce, and the intersection of social media/Web 2.0 and payments.

Mark A. Moore, principal of Aldrich Bonnefin & Moore, PLC, manages the Banking Operations Practice Group. He works with bank and non-bank issuers and sellers of prepaid debit cards and other stored-value products, and advises on outsourcing and vendor agreements.

Steve Mott, Principal and CEO of BetterBuyDesign, focuses on market trends, digital technology, security, and innovations in payments and financial services.

Linda K. Norman, VP and Deputy General Counsel for the Windows Phone Division at Microsoft Corporation. Previously, she was associate general counsel in the Litigation Group at Microsoft where she supervised major litigation matters, including intellectual property, commercial, antitrust and consumer class actions cases.

Tracy Shapiro, of counsel at Wilson Sonsini Goodrich & Rosati, focuses on privacy, data security, advertising and marketing practices. Previously, she was at the Federal Trade Commission (FTC) and in-house counsel for Yahoo!.

Holly K. Towle, partner, K&L Gates LLP, co-wrote "The Law of Electronic Commercial Transactions", is listed among the top 25 Information Technology lawyers and in the Financial Institutions Law section of The Best Lawyers in America.

Daniel M. Waggoner, partner at Davis Wright Tremaine LLP, focuses on communications, media and intellectual property issues under the First Amendment, intellectual property laws and the Communications Act. He represents new and traditional media programmers and content providers.
Full bio and contact info for Daniel M. Waggoner at Davis Wright Tremaine LLP

Wanji Walcott is Managing Counsel in the General Counsel's Office of American Express Company. She focuses on digital commerce, online and mobile payment initiatives, tech-related legal issues in mergers & acquisitions, outsourcing, telecommunications and other technology transactions.