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Trusted Service Manager – Role and Challenges

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In his presentation Thomas Thaler will talk about the role of Trueb as TSM in the NFC ecosystem and the technological challenges on the way to being a TSM. …

In his presentation Thomas Thaler will talk about the role of Trueb as TSM in the NFC ecosystem and the technological challenges on the way to being a TSM.
Thomas Thaler is CTO of Trueb AG and responsible for innovation, research and development. Trueb is the leading international manufacturer and supplier of smart cards and one of the leading providers of access solutions and e-ticketing.

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  • 1. © 2009 – Trüb AG Switzerland – www.trueb.ch Trusted Service Manager – Role and Challenges MobileMonday Switzerland MoMo #16 Near Field Communication (NFC) June 7, 2010 Thomas Thaler, CTO
  • 2. © 2009 – Trüb AG Switzerland – www.trueb.ch Introduction Mobile phones are powerful tools – becoming even more powerful Mobile phones obsolete diaries, portable music players, and more – why should mobile phones not also replace our wallet? Mobile Contactless Payment (MCP) turns a mobile phone into an electronic wallet MCP foots on the well-established ecosystem for cashless payments, the 4-party model
  • 3. © 2009 – Trüb AG Switzerland – www.trueb.ch Smart card personalization + personalized smart card generic smart card personalization process Individual data: Name, Account #, Limits, PIN, etc. s p e c i m e n s p e c i m e n
  • 4. © 2009 – Trüb AG Switzerland – www.trueb.ch The 4-party model Cardholder Merchant Issuer Acquirer Goods and Services Transaction Settlement Transaction Fee
  • 5. © 2009 – Trüb AG Switzerland – www.trueb.ch The 4-party model – extended Cardholder Merchant Issuer Acquirer Goods and Services Transaction Settlement Transaction Fee SmartCard Manufact. & Perso Distribution (mail) order card, pinletter card, pinletter
  • 6. © 2009 – Trüb AG Switzerland – www.trueb.ch Status Quo – how many smart cards in your wallet? … 2 … 5 … more? Smart card characteristics: Miscellaneous applications Mostly different issuers Likely differing account holders features, limits, etc. Possibly various technologies Unaligned replacement cycles One secure element per smart card
  • 7. © 2009 – Trüb AG Switzerland – www.trueb.ch Same procedure for the mobile environment? Number of SIM or SD Card slots in a mobile phone = 1! ALL applications (‚cards‘) must share ONE secure element Challenges: Performance requirements Applications interoperability Data security, integrity Certification requirements and lifecycle, etc.
  • 8. © 2009 – Trüb AG Switzerland – www.trueb.ch More challenges – tasks for a Trusted Service Manager Mobile phone must remain with user while being personalized Over-the-Air personalization (OTA) Mobile phone may be switched off while personalization Mobile phone may not have appropriate capabilities Mobile phone’s secure element may not have resources available (security domain, storage, …) Application / Middlet may not be installed, or even available etc.
  • 9. © 2009 – Trüb AG Switzerland – www.trueb.ch NFC mobile ecosystem Challenge: n:m relationship between players Issuers Source: Global Platform Banks Mobile Network Operators Retailers Transport companies
  • 10. © 2009 – Trüb AG Switzerland – www.trueb.ch NFC mobile ecosystem Challenging n:m relationships Relationship management Contracts Technical interfaces Support peers SLA monitoring Statistics etc. Source: Global Platform
  • 11. © 2009 – Trüb AG Switzerland – www.trueb.ch Users Trusted Service Manager Users OTA application loading OTA personalization Device Capability Mngt Application Lifecycle Mngt UserData Lifecycle Mngt Card Capability Mngt … Certified Environment Trusted Service Manager Roles and color scheme according Global Platform TSM as clearing house – breaking n:m relationship Mobile Network Operator Issuer Retailer etc.etc.
  • 12. © 2009 – Trüb AG Switzerland – www.trueb.ch Trusted Service Manager key tasks Deploy and personalize any application (‚card‘) from any issuer through any mobile network (OTA personalization) Verify device and secure element capabilities and resources Manage application life cycle Execute (user-initiated) change of mobile handset or mobile network operator without issuer involvement Manage user data life cycle Manage confidentiality w.r.t customer care etc.
  • 13. © 2009 – Trüb AG Switzerland – www.trueb.ch Thank you for your attention! thomas.thaler@trueb.ch
  • 14. © 2009 – Trüb AG Switzerland – www.trueb.ch The 6-party model – ecosystem in mobile contactless payment Cardholder Merchant Issuer Acquirer Goods and Services Transaction Settlement Transaction Fee Trusted Service Manager Mobile Network Operator order OTA perso OTA perso