a Mobile Wallet - Wireless@KTH... · TrustNordics Vision Replacing todays wallet by transferring...
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+ Turn key solution For a Mobile Wallet April 2013 - from coins – to paper – to cards – now to mobile phones -
Transcript of a Mobile Wallet - Wireless@KTH... · TrustNordics Vision Replacing todays wallet by transferring...
+ Turn key solution
For a
Mobile Wallet April 2013
- from coins – to paper – to cards – now to mobile phones -
TrustNordics Vision
Replacing todays wallet by transferring all of your plastics into a mobile wallet – EASY AND SECURE
With and without NFC.
The Problem The Solution
Is the market ready?
NFC on mobile
Contactless payment cards
Contactless ticketing and access
The Hype Curve The Product Life Cycle Curve
Time
Mobile money services
What is Propelling the Market?
New Secure Element Technology (mSD & TEE) Available
Enhanced Security enables New Applications
Increased Use of Loyalty Cards
The Mobile Phone is On-Line - Fraud Reduction and New Services
High penetration of smart phones with capability for SE/NFC
NFC and SE standards in place
Retailer rolls out NFC now
Increase use of business intelligence, loyalty cards and use of Geo data
Good business cases for the Service Providers
Mobile First
Service Provider – Application – Mobile Wallet – Bank – MNO – Secure Element Device - NFC or NOT – Operating System – Country – Market – Security Level
Everything is build on International Standards
Any
Any
Any
Our commitment to the market
Support for any Secure Element (SE)
SIM UICC Owned by the MNOs
Embedded SE The handset manufacture owns the SE
mSD cards The TSM owns the SE
Other SE •Cloud based SE •Encrypted SW SE
SE
Near Field Communication
Phone OS
OS app
TSM Proxy
Connectivity
Secure Element
Issuer Security Domain
Service ProviderSecurity Domain (SPSD)
SP 1 SP n
Applet
Applet Applet
Applet
Data
mWallet
Card container
Near Field Communication
Phone OS
OS app
TSM Proxy
Connectivity
Secure Element
Issuer Security Domain
Service ProviderSecurity Domain (SPSD)
SP 1 SP n
Applet
Applet Applet
Applet
Data
mWallet
Card container
TrustNordics Trusted Execution Environment
MNOs MNOs MNO MNOs MNOs
3rd party TSM
Sec
ure
OTA
Com
pone
nt
SP - TSM
Tokens
Mobile Life Cycle
Manager
Notification SE Chip
Configurator
Key Manager &
HSM
Reporting
User Rights
SP GW
Root - TSM
mWallet Framework
Wallet backup
MNO GW
SE - Farm
SP 1 SP n …
Services and Subscriptions Plug-ins App
Store
CA SE issuer
PayPass
Mifare
UID
PayWave
LCM
Support
Prepaid
SE Chip Configurator
PCI/EMV compliant
Back end - The eco system
TrustNordics Wallet V2.00
Turn-key solution for Banks, MNOs and Service providers
Support 4 Operating systems
Full TSM integration
Release June 1st. 2013
August 1st. PCI and EMV approvals
25 standard Widgets or Applications
Multiple Payment Channels Multiple Handsets
• NFC 14443
• NFC 18092
• 2D Codes
• Cloud (OTA)
• Embedded
• SWP SIM
• MicroSD
• Cloud based
Multiple Secure Elements
TRUST Infrastructure Multiple Service Providers Multiple MNO/ TSM or Wallet
• Traceability
• Reliability
• Usability
• Security
• Testability
TSM
TSM
Mobile Transaction Platform
Payment
Supported Applications - Examples
Airlines
Retail
Access
Health Cards
ID-Cards
Gas Stations
Coffee
Passport Driver license
E-ID Cards
END USER
Prepaid
Debit Cards Credit Cards
Invoice/SMS
Loyalty Payment
Parking
Hospitals University
Skidata
TrustNordics : Turn-key solution
Turn-key Mobile Wallet solution
Mobile Wallet Framework APP (stand alone) TrustNordics Wallet White Label Wallet 3. Party Wallet EMV-certified Support: MS, Android, Apple, BB
TSM (Turn-key) Hosted solution Secure Element provider PCI and EMV
Aggregator (build in-house) ESB architecture Application Integration
25 Standard Widget's and back-end system Reduce risk and cost - Increase “time-to-market”
Ex: Airline Application Travel Card Check-in Confirmation Special offers Coupons Payment Voucher Pay with bonus points Social media connections ID-Cards TSM integration ready
Typical eco system – Connecting Everybody
Our offer – Turn key Mobile Wallet solution
The best available Mobile Wallet framework in the world (TrustNordics branded or “White Label”)
Turn-key Mobile Wallet Solution – ready “out-of-the-box” Certified, and integrated with our TSM
Access to millions of Secure Elements TODAY
Reduce cost & risk – Increase “time-to-market”
We support ANY Bank, ANY application, ANY MNO,
ANY Secure Element ANY Operating system
Quality (guaranteed SLA) and Low startup costs
EMV & PCI approvals
Our offer
Get your cards connected into the mobile wallet NOW
Thank you for your
time!
- from coins – to paper – to cards – now to mobile phones -
[email protected] Mobil phone +46 702 502 1331
